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First State Bank of Healy, The

Healy, KS · Cert 17661 · West 4 Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$108.8MAssets
$66.3MLoans
$86.5MDeposits
$16.2MEquity
Loan mix
71%RE $30.3M28%C&I $12.1M1%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $75.5M13%Noninterest $10.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.21%, up 13 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.89% of loans (+45 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.77%, up 185 bps from a year ago.
  • Funding: loans stand at 76.74% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.21%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+36 bps YoY

Efficiency Ratio (quarter, annualized)

55.33%+224 bps YoY

Tier 1 Leverage Ratio

16.77%+185 bps YoY

NIM

4.94%Q2 ’245.05%Q2 ’255.02%Q2 ’26+1%+14%

Non-interest income vs. expense

1.41%Q2 ’241.50%Q2 ’251.77%Q2 ’26+10%+19%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.89%1.00%1.08%0.95%0.95%0.96%1.21%+13 bps
Return on Equity7.37%7.23%8.30%9.06%7.66%7.20%7.06%8.35%-70 bps
Net Interest Margin2.35%2.35%2.60%2.69%2.65%2.78%2.81%3.05%+36 bps
Efficiency Ratio56.47%57.49%53.10%53.09%56.16%58.91%55.87%55.33%+224 bps
Non-Interest Burden1.25%1.28%1.31%1.36%1.43%1.57%1.50%1.62%+26 bps
Growth
Asset Growth (YoY)13.07%14.04%11.01%6.76%-2.24%0.85%-3.12%-8.42%-1,517 bps
Loan Growth (YoY)11.48%26.78%21.23%12.25%-1.41%-7.17%-16.56%-13.86%-2,611 bps
Deposit Growth (YoY)12.53%16.96%14.04%9.86%2.36%-0.03%-0.66%-8.19%-1,805 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.36%0.53%0.44%0.45%0.34%0.95%0.89%+45 bps
Net Charge-Offs / Loans-0.06%-0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.57%1.50%1.50%1.47%1.60%1.61%1.79%1.71%+24 bps
Allowance Coverage of NPLs3.9x4.1x2.8x3.4x3.5x4.8x1.9x1.9x-1.5x
Capital
Tier 1 Leverage Ratio14.61%14.66%15.03%14.92%15.48%15.83%16.24%16.77%+185 bps
Total Risk-Based Capital14.61%14.66%15.03%14.92%15.48%15.83%16.24%16.77%+185 bps
Equity / Assets12.75%11.86%12.12%11.68%13.25%13.16%14.12%14.87%+319 bps
Liquidity & Funding
Loans / Deposits80.70%76.43%81.34%81.79%77.73%70.97%68.31%76.74%-505 bps
Liquid Assets / Assets0.06%0.07%0.12%0.05%0.14%0.13%0.12%0.09%+4 bps
CRE / Total Capitaln/an/an/an/a43.41%41.56%39.32%n/an/a