Fort Scott, KS · Cert 17607 · City Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.43% | 1.29% | 1.19% | 1.41% | +33 bps | |
| Return on Equity | 14.14% | 17.80% | 15.40% | 14.38% | 17.44% | +331 bps | |
| Net Interest Margin | 3.59% | 3.69% | 3.80% | 3.74% | 3.84% | +25 bps | |
| Efficiency Ratio | 65.68% | 60.00% | 60.80% | 62.59% | 56.82% | -886 bps | |
| Non-Interest Burden | 2.22% | 1.80% | 2.14% | 2.18% | 2.02% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.00% | 4.93% | 1.66% | 5.68% | 6.35% | +335 bps | |
| Loan Growth (YoY) | -0.90% | 7.83% | 4.20% | 8.73% | 13.71% | +1,460 bps | |
| Deposit Growth (YoY) | 5.22% | 7.92% | 1.44% | 5.36% | 6.19% | +97 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.02% | 0.99% | 1.00% | 0.99% | 0.99% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.27% | 9.46% | 9.51% | 9.37% | 8.92% | -35 bps | |
| Total Risk-Based Capital | 9.27% | 9.46% | 9.51% | 9.37% | 8.92% | -35 bps | |
| Equity / Assets | 7.85% | 8.22% | 8.50% | 8.02% | 8.17% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.25% | 71.78% | 75.03% | 71.19% | 73.08% | +483 bps | |
| Liquid Assets / Assets | 11.75% | 11.17% | 12.33% | 11.57% | 11.04% | -70 bps | |
| CRE / Total Capital | n/a | 40.51% | 38.80% | 41.63% | n/a | n/a | |