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 (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 | 1.18% | 1.34% | 1.26% | 1.15% | 1.27% | 1.30% | 1.20% | 1.24% | +8 bps | |
| Return on Equity | 13.21% | 14.72% | 13.86% | 12.69% | 13.62% | 13.55% | 12.36% | 12.64% | -4 bps | |
| Net Interest Margin | 3.67% | 3.81% | 3.77% | 3.82% | 3.81% | 3.88% | 4.07% | 4.08% | +26 bps | |
| Efficiency Ratio | 56.65% | 56.53% | 56.84% | 58.15% | 56.56% | 57.80% | 58.98% | 60.00% | +185 bps | |
| Non-Interest Burden | 1.93% | 2.00% | 2.03% | 2.09% | 2.00% | 2.13% | 2.27% | 2.32% | +23 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 | 0.11% | 0.03% | 0.00% | 0.11% | 0.02% | 0.00% | 0.01% | 0.00% | -11 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 | |