Haviland, KS · Cert 17403
FDIC · 2 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.26% | 1.63% | 0.20% | 1.43% | 1.55% | 1.63% | 1.15% | +95 bps | |
| Return on Equity | 12.31% | 10.06% | 12.75% | 1.60% | 11.13% | 11.97% | 11.99% | 10.80% | +921 bps | |
| Net Interest Margin | 4.18% | 3.79% | 4.16% | 4.24% | 4.11% | 3.80% | 3.93% | 4.02% | -23 bps | |
| Efficiency Ratio | 59.52% | 61.27% | 52.05% | 51.06% | 57.39% | 50.30% | 50.00% | 64.86% | +1,380 bps | |
| Non-Interest Burden | 2.45% | 2.27% | 2.09% | 2.11% | 2.31% | 1.85% | 1.91% | 2.57% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.12% | 3.07% | 5.49% | 6.94% | 2.98% | 6.75% | 0.51% | -1.18% | -812 bps | |
| Loan Growth (YoY) | 31.56% | 30.69% | 16.96% | 20.99% | 15.36% | 14.80% | 9.50% | 6.92% | -1,407 bps | |
| Deposit Growth (YoY) | 2.51% | -0.95% | 2.26% | -0.73% | -7.40% | 1.36% | -2.80% | 14.09% | +1,482 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.01% | 4.60% | 0.00% | -0.02% | -0.02% | -0.02% | -462 bps | |
| Allowance / Loans | 1.57% | 1.75% | 1.60% | 1.16% | 1.04% | 1.17% | 1.13% | 1.19% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.37% | 12.98% | 14.04% | 14.06% | 13.75% | 13.94% | 14.49% | 7.99% | -607 bps | |
| Total Risk-Based Capital | 13.37% | 12.98% | 21.19% | 14.06% | 13.75% | 13.94% | 14.49% | 12.39% | -167 bps | |
| Equity / Assets | 11.94% | 13.16% | 12.50% | 13.16% | 12.54% | 13.44% | 13.69% | 7.47% | -569 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.97% | 79.00% | 84.75% | 90.58% | 107.11% | 89.48% | 95.48% | 84.89% | -569 bps | |
| Liquid Assets / Assets | 9.45% | 8.77% | 6.39% | 4.81% | 2.60% | 5.64% | 2.71% | 2.46% | -234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.91% | n/a | n/a |