Halstead, KS · Cert 17451 · Williams Holding Co. Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.8% share · #22 of 46 inst. · $0.2B of $23.2B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.42% | 1.50% | 1.24% | 1.35% | -4 bps | |
| Return on Equity | 16.18% | 16.45% | 17.18% | 14.23% | 15.69% | -50 bps | |
| Net Interest Margin | 4.19% | 4.17% | 4.27% | 4.17% | 4.28% | +9 bps | |
| Efficiency Ratio | 57.78% | 57.38% | 56.32% | 62.49% | 59.34% | +156 bps | |
| Non-Interest Burden | 2.25% | 2.21% | 2.22% | 2.45% | 2.38% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.77% | 12.30% | 6.43% | 8.39% | 5.79% | -197 bps | |
| Loan Growth (YoY) | 12.48% | 8.51% | 4.56% | 2.25% | 1.48% | -1,100 bps | |
| Deposit Growth (YoY) | 6.99% | 10.43% | 8.68% | 8.43% | 5.92% | -107 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.34% | 0.27% | 0.29% | +28 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.02% | -0.03% | -0.01% | -3 bps | |
| Allowance / Loans | 1.18% | 1.25% | 1.29% | 1.36% | 1.37% | +18 bps | |
| Allowance Coverage of NPLs | 1692.0x | 102.9x | 3.8x | 5.0x | 4.8x | -1687.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.68% | 8.80% | 8.72% | 8.50% | 8.56% | -12 bps | |
| Total Risk-Based Capital | 12.22% | 12.93% | 12.78% | 13.18% | 12.57% | +35 bps | |
| Equity / Assets | 8.60% | 8.83% | 9.00% | 8.42% | 8.45% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.64% | 78.80% | 80.60% | 72.97% | 77.26% | -338 bps | |
| Liquid Assets / Assets | 8.29% | 11.91% | 9.97% | 14.68% | 9.81% | +152 bps | |
| CRE / Total Capital | n/a | 182.08% | 160.26% | 162.09% | n/a | n/a | |