Leon, KS · Cert 17927 · Vintage Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.8% share · #23 of 46 inst. · $0.2B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.28% | 1.44% | 1.43% | 1.41% | +18 bps | |
| Return on Equity | 16.35% | 15.74% | 16.53% | 16.28% | 16.08% | -26 bps | |
| Net Interest Margin | 3.86% | 4.00% | 4.06% | 4.09% | 4.21% | +35 bps | |
| Efficiency Ratio | 60.31% | 59.90% | 55.02% | 55.88% | 55.52% | -480 bps | |
| Non-Interest Burden | 2.28% | 2.27% | 2.14% | 2.19% | 2.27% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.12% | 4.36% | 6.35% | 5.07% | 8.40% | +28 bps | |
| Loan Growth (YoY) | 13.08% | 6.51% | 9.50% | 9.42% | 7.29% | -579 bps | |
| Deposit Growth (YoY) | 6.29% | 6.06% | 4.27% | 3.85% | 6.96% | +67 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.11% | 0.40% | 0.55% | 0.53% | +49 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.23% | 0.00% | -0.05% | 0.17% | +19 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.09% | 1.10% | 1.11% | 0 bps | |
| Allowance Coverage of NPLs | 25.5x | 10.3x | 2.7x | 2.0x | 2.1x | -23.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.11% | 11.49% | 11.27% | 11.51% | 11.56% | +45 bps | |
| Total Risk-Based Capital | 11.11% | 11.49% | 11.27% | 11.51% | 11.56% | +45 bps | |
| Equity / Assets | 7.66% | 8.62% | 8.83% | 8.75% | 8.81% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.01% | 78.02% | 81.02% | 81.32% | 78.24% | +24 bps | |
| Liquid Assets / Assets | 1.24% | 1.14% | 0.84% | 0.58% | 0.56% | -68 bps | |
| CRE / Total Capital | n/a | 148.88% | 151.20% | 155.20% | n/a | n/a | |