Colwich, KS · Cert 17676 · Colwich Financial Corp.
State charter, non-member · FDIC · 10 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 the Wichita, KS area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
68
Profitability
47
Liquidity
17
Efficiency
70
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.
Colwich, KS · Cert 17676 · Colwich Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 2.6% share · #8 of 46 inst. · $0.6B of $23.2B
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 | 1.14% | 1.19% | 1.26% | 1.21% | 1.23% | 1.25% | 1.20% | 1.22% | +1 bps | |
| Return on Equity | 12.69% | 13.24% | 13.86% | 13.26% | 13.38% | 13.43% | 12.36% | 12.48% | -77 bps | |
| Net Interest Margin | 3.49% | 3.55% | 3.77% | 3.76% | 3.68% | 3.70% | 4.07% | 4.04% | +29 bps | |
| Efficiency Ratio | 56.24% | 56.32% | 56.84% | 57.51% | 57.18% | 57.34% | 58.98% | 59.49% | +199 bps | |
| Non-Interest Burden | 1.83% | 1.86% | 2.03% | 2.04% | 1.98% | 2.00% | 2.27% | 2.28% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 7.03% | 10.07% | 11.66% | 9.66% | 9.57% | 7.04% | 5.78% | -588 bps | |
| Loan Growth (YoY) | 15.92% | 12.90% | 9.95% | 6.63% | 6.22% | 6.47% | 10.42% | 12.54% | +591 bps | |
| Deposit Growth (YoY) | 8.28% | 6.41% | 11.62% | 14.72% | 14.23% | 13.97% | 7.40% | 3.01% | -1,171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.17% | 0.00% | 0.02% | 0.02% | 0.05% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.06% | 0.04% | 0.03% | 0.01% | 0.01% | -5 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.22% | 1.27% | 1.28% | 1.26% | 1.23% | 1.27% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 7.3x | 1281.0x | 76.8x | 78.3x | 24.7x | 22.3x | -1258.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.82% | 10.08% | 10.01% | 10.11% | 9.95% | 10.16% | 10.41% | 10.55% | +44 bps | |
| Total Risk-Based Capital | 12.28% | 12.36% | 12.40% | 12.61% | 12.57% | 12.61% | 12.28% | 12.49% | -12 bps | |
| Equity / Assets | 9.06% | 9.21% | 8.98% | 9.21% | 9.39% | 9.84% | 9.61% | 9.94% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.18% | 97.55% | 90.02% | 86.43% | 86.64% | 91.13% | 92.55% | 94.42% | +799 bps | |
| Liquid Assets / Assets | 0.80% | 0.60% | 1.28% | 2.22% | 0.90% | 0.78% | 1.04% | 2.39% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 394% | 396% | 420% | n/a | n/a | |
Colwich, KS · Cert 17676 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Colwich Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.20%
Rank 10 of 20
Net Interest Margin
4.04%
Rank 10 of 20
Efficiency Ratio
60.10%
Rank 7 of 20
Equity / Assets
9.94%
Rank 6 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.80% | 1.20% | 1.35% | Beats 50% | 10 / 20 | ||
| Return on Equity | 12.10% | 9.43% | 12.85% | 15.78% | Beats 40% | 12 / 20 | ||
| Net Interest Margin | 4.04% | 3.71% | 4.04% | 4.23% | Beats 50% | 10 / 20 | ||
| Efficiency Ratio | 60.10% | 59.34% | 65.86% | 71.92% | Beats 70% | 7 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.64% | 1.17% | Beats 75% | 6 / 20 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.02% | 0.09% | Beats 60% | 9 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.30% | 11.10% | 11.73% | 15.56% | Beats 35% | 13 / 20 | ||
| Total Risk-Based Capital Ratio | 12.49% | 11.80% | 12.57% | 16.49% | Beats 45% | 11 / 20 | ||
| Equity / Assets | 9.94% | 8.39% | 8.81% | 11.24% | Beats 70% | 6 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.42% | 62.67% | 77.26% | 93.25% | 80th pctl | 4 / 20 | ||
| Loans / Assets | 78.79% | 54.38% | 67.74% | 81.71% | 65th pctl | 7 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||