Haviland, KS · Cert 17403
FDIC · 2 branches
Q3 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 1.43% | 1.02% | 1.12% | 1.55% | 1.58% | 1.44% | +42 bps | |
| Return on Equity | 12.13% | 10.06% | 11.42% | 8.06% | 8.86% | 11.97% | 11.98% | 12.21% | +415 bps | |
| Net Interest Margin | 4.05% | 3.79% | 4.07% | 4.12% | 3.97% | 3.80% | 3.89% | 4.03% | -9 bps | |
| Efficiency Ratio | 55.99% | 61.27% | 56.56% | 54.68% | 55.38% | 50.30% | 50.15% | 55.03% | +35 bps | |
| Non-Interest Burden | 2.22% | 2.27% | 2.24% | 2.19% | 2.14% | 1.85% | 1.89% | 2.16% | -3 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 | -0.02% | -0.03% | -0.02% | 1.52% | 1.01% | -0.02% | -0.02% | -0.02% | -154 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 |