Hays, KS · Cert 17769 · Hanston Insurance Agency Inc.
State charter, non-member · FDIC · 4 branches
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 | 1.02% | 1.12% | 1.21% | 1.23% | 1.38% | 0.78% | 1.51% | 1.57% | +33 bps | |
| Return on Equity | 12.27% | 12.85% | 14.41% | 14.36% | 15.03% | 8.14% | 16.07% | 17.04% | +268 bps | |
| Net Interest Margin | 2.71% | 2.88% | 3.04% | 3.12% | 3.35% | 3.17% | 3.35% | 3.36% | +24 bps | |
| Efficiency Ratio | 56.35% | 56.19% | 54.23% | 46.13% | 49.88% | 54.70% | 49.43% | 48.02% | +189 bps | |
| Non-Interest Burden | 1.37% | 1.49% | 1.53% | 1.02% | 1.54% | 1.56% | 1.51% | 1.46% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.30% | 1.29% | 6.23% | 1.38% | 4.14% | 4.00% | 1.19% | 5.76% | +437 bps | |
| Loan Growth (YoY) | 5.64% | 6.94% | 4.18% | 3.29% | -6.04% | -3.07% | -2.53% | -6.92% | -1,021 bps | |
| Deposit Growth (YoY) | -2.51% | 1.54% | 7.28% | 4.61% | 8.65% | 3.81% | 1.39% | 5.88% | +127 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.64% | 0.53% | 0.14% | 0.16% | 0.21% | 1.33% | 0.47% | +33 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 1.51% | 0.00% | -0.01% | 0.00% | 0.00% | -151 bps | |
| Allowance / Loans | 1.42% | 1.35% | 1.39% | 0.99% | 1.09% | 1.09% | 1.13% | 1.17% | +19 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.1x | 2.6x | 6.8x | 7.0x | 5.2x | 0.9x | 2.5x | -4.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.76% | 10.05% | 9.52% | 9.77% | 10.20% | 10.36% | 9.86% | 9.97% | +19 bps | |
| Total Risk-Based Capital | 9.76% | 10.05% | 9.52% | 9.77% | 10.20% | 10.36% | 9.86% | 9.97% | +19 bps | |
| Equity / Assets | 8.85% | 8.51% | 8.25% | 8.93% | 9.46% | 9.67% | 9.10% | 9.29% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.21% | 68.69% | 62.87% | 65.34% | 58.99% | 64.14% | 60.43% | 57.44% | -790 bps | |
| Liquid Assets / Assets | 1.23% | 1.14% | 0.96% | 0.70% | 0.70% | 0.74% | 1.99% | 6.54% | +584 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 166.21% | 173.39% | 179.10% | n/a | n/a | |