Dwight, KS · Cert 17632
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | -1.99% | 0.85% | 1.33% | 1.07% | -2.84% | 0.74% | 0.94% | -40 bps | |
| Return on Equity | 7.24% | -16.22% | 7.40% | 12.49% | 10.43% | -28.50% | 7.37% | 8.98% | -351 bps | |
| Net Interest Margin | 3.43% | 3.63% | 3.53% | 3.41% | 3.27% | 3.32% | 3.10% | 3.17% | -24 bps | |
| Efficiency Ratio | 74.83% | 153.25% | 75.97% | 62.57% | 68.21% | 156.07% | 76.88% | 71.07% | +850 bps | |
| Non-Interest Burden | 2.55% | 5.60% | 2.67% | 2.11% | 2.21% | 5.19% | 2.37% | 2.24% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.62% | -4.27% | 4.92% | 21.99% | 26.10% | 24.66% | 8.30% | -3.24% | -2,522 bps | |
| Loan Growth (YoY) | -3.82% | -0.49% | -7.10% | -11.47% | -5.41% | 2.92% | 11.98% | 1.69% | +1,316 bps | |
| Deposit Growth (YoY) | -8.49% | -4.94% | 5.47% | 24.87% | 29.54% | 28.06% | 9.25% | -3.58% | -2,845 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.78% | 3.73% | 4.32% | 2.47% | 5.72% | 2.06% | 3.65% | 6.76% | +429 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 | 1.78% | 1.70% | 1.93% | 1.98% | 1.88% | 2.31% | 2.42% | 2.73% | +75 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 0.4x | 0.8x | 0.3x | 1.1x | 0.7x | 0.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.30% | 11.91% | 11.80% | 10.57% | 10.26% | 9.60% | 10.01% | 10.47% | -9 bps | |
| Total Risk-Based Capital | 12.30% | 11.91% | 11.80% | 10.57% | 10.26% | 9.60% | 10.01% | 10.47% | -9 bps | |
| Equity / Assets | 12.49% | 12.05% | 11.06% | 10.32% | 10.26% | 9.71% | 10.25% | 10.62% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.92% | 51.23% | 39.91% | 35.05% | 35.72% | 41.17% | 40.91% | 36.97% | +192 bps | |
| Liquid Assets / Assets | 56.53% | 54.20% | 51.06% | 67.91% | 67.15% | 62.32% | 62.68% | 66.35% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 8.89% | 9.50% | 2.32% | n/a | n/a | |