Moundridge, KS · Cert 17672 · Goering Management Co. LLC
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.6% share · #27 of 46 inst. · $0.1B of $23.2B
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 | 1.45% | 1.72% | 1.25% | 1.18% | 1.43% | 1.89% | 1.75% | 1.62% | +44 bps | |
| Return on Equity | 12.98% | 15.02% | 11.07% | 10.00% | 11.68% | 14.88% | 13.73% | 12.70% | +270 bps | |
| Net Interest Margin | 3.90% | 3.69% | 3.77% | 3.71% | 3.83% | 3.79% | 3.76% | 4.01% | +30 bps | |
| Efficiency Ratio | 60.35% | 57.08% | 65.80% | 66.76% | 60.94% | 56.80% | 62.40% | 58.28% | -848 bps | |
| Non-Interest Burden | 2.12% | 1.88% | 2.29% | 2.28% | 2.06% | 1.93% | 2.16% | 2.12% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.89% | -1.25% | 0.58% | -1.79% | 2.35% | 0.41% | 3.27% | 6.23% | +801 bps | |
| Loan Growth (YoY) | 2.81% | 11.84% | 3.90% | 0.76% | -0.27% | -7.26% | -4.14% | -4.69% | -545 bps | |
| Deposit Growth (YoY) | -8.20% | -4.23% | 0.87% | -3.18% | 2.16% | 0.41% | 1.75% | 4.95% | +813 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.13% | 0.16% | 0.22% | 0.15% | 0.18% | 0.02% | 0.01% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.01% | -0.02% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.48% | 1.40% | 1.46% | 1.45% | 1.49% | 1.51% | 1.52% | 1.52% | +8 bps | |
| Allowance Coverage of NPLs | 19.0x | 10.7x | 8.9x | 6.7x | 9.9x | 8.2x | 74.2x | 155.1x | +148.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.65% | 13.62% | 13.85% | 14.13% | 14.12% | 14.04% | 14.24% | 14.45% | +32 bps | |
| Total Risk-Based Capital | 13.65% | 13.62% | 13.85% | 14.13% | 14.12% | 14.04% | 14.24% | 14.45% | +32 bps | |
| Equity / Assets | 11.70% | 11.16% | 11.40% | 12.16% | 12.36% | 13.08% | 12.45% | 13.01% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.24% | 66.14% | 61.50% | 64.61% | 60.76% | 61.08% | 57.95% | 58.68% | -593 bps | |
| Liquid Assets / Assets | 1.48% | 0.25% | 5.59% | 2.14% | 3.81% | 0.90% | 3.96% | 1.85% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 47.10% | 46.39% | 44.55% | n/a | n/a | |