Marysville, KS · Cert 17477 · Ubt Bancshares Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
73
Profitability
66
Liquidity
0
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Marysville, KS · Cert 17477 · Ubt Bancshares Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 0.6% share · #20 of 22 inst. · $0.0B of $4.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.13% | 1.20% | 1.21% | 1.22% | 1.25% | 1.47% | 1.53% | +32 bps | |
| Return on Equity | 10.87% | 11.23% | 11.33% | 11.27% | 11.15% | 11.35% | 12.94% | 13.22% | +195 bps | |
| Net Interest Margin | 2.92% | 2.99% | 3.32% | 3.34% | 3.35% | 3.37% | 3.60% | 3.66% | +32 bps | |
| Efficiency Ratio | 57.71% | 57.25% | 54.78% | 54.63% | 54.93% | 54.07% | 50.00% | 49.38% | -525 bps | |
| Non-Interest Burden | 1.52% | 1.56% | 1.70% | 1.70% | 1.72% | 1.70% | 1.65% | 1.66% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 1.68% | -0.30% | -0.56% | -0.84% | 1.76% | 4.19% | 1.56% | +212 bps | |
| Loan Growth (YoY) | 6.02% | 5.17% | 0.58% | 0.34% | -0.39% | 2.03% | 5.49% | 3.19% | +286 bps | |
| Deposit Growth (YoY) | 2.30% | 3.50% | 5.82% | 7.61% | 5.43% | 3.58% | 4.10% | 3.00% | -461 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.19% | 1.28% | 1.26% | 1.28% | 1.26% | 1.30% | 1.31% | +5 bps | |
| Allowance Coverage of NPLs | 40.7x | 344.8x | n/a | n/a | n/a | n/a | 377.4x | 384.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.49% | 10.65% | 10.88% | 11.09% | 11.22% | 11.27% | 11.23% | 11.51% | +42 bps | |
| Total Risk-Based Capital | 10.49% | 10.65% | 10.88% | 11.09% | 11.22% | 11.27% | 11.23% | 11.51% | +42 bps | |
| Equity / Assets | 10.35% | 10.35% | 10.91% | 11.05% | 11.33% | 11.29% | 11.49% | 11.92% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.33% | 96.51% | 89.80% | 93.94% | 96.68% | 95.06% | 91.00% | 94.12% | +18 bps | |
| Liquid Assets / Assets | 0.05% | 0.06% | 0.07% | 0.06% | 0.06% | 0.04% | 0.04% | 0.05% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 117.80% | 118.93% | 111.53% | n/a | n/a | |
Marysville, KS · Cert 17477 · Peer group: banks under $1B in assets in KS (n=98) · Ubt Bancshares Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Return on Assets
1.54%
Rank 24 of 98
Net Interest Margin
3.66%
Rank 43 of 98
Efficiency Ratio
49.87%
Rank 19 of 98
Equity / Assets
11.92%
Rank 39 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.54% | 1.03% | 1.24% | 1.54% | Beats 76% | 24 / 98 | ||
| Return on Equity | 12.94% | 8.85% | 11.58% | 14.73% | Beats 65% | 34 / 98 | ||
| Net Interest Margin | 3.66% | 3.24% | 3.62% | 3.91% | Beats 56% | 43 / 98 | ||
| Efficiency Ratio | 49.87% | 51.87% | 58.88% | 64.74% | Beats 82% | 19 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 83% | 18 / 98 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 63% | 38 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.51% | 11.81% | 13.71% | 17.33% | Beats 18% | 80 / 98 | ||
| Total Risk-Based Capital Ratio | 11.51% | 11.81% | 14.13% | 17.45% | Beats 18% | 80 / 98 | ||
| Equity / Assets | 11.92% | 8.60% | 11.34% | 13.10% | Beats 60% | 39 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.12% | 57.09% | 69.84% | 82.47% | 95th pctl | 5 / 98 | ||
| Loans / Assets | 75.28% | 49.34% | 58.31% | 68.94% | 89th pctl | 11 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||