Walton, KS · Cert 17982 · WSB Financial Inc.
State charter, non-member · FDIC · 1 branch
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
95
Asset Quality
100
Profitability
12
Liquidity
0
Efficiency
5
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.
Walton, KS · Cert 17982 · WSB Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.0% share · #43 of 46 inst. · $0.0B 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 | -0.50% | -0.67% | -1.65% | -0.77% | -0.85% | -1.05% | -0.55% | -0.02% | +76 bps | |
| Return on Equity | -2.63% | -3.64% | -8.86% | -3.86% | -4.20% | -5.00% | -2.32% | -0.07% | +379 bps | |
| Net Interest Margin | 3.30% | 3.22% | 3.14% | 3.99% | 4.22% | 4.56% | 4.14% | 3.93% | -7 bps | |
| Efficiency Ratio | 126.34% | 129.88% | 146.67% | 125.17% | 121.21% | 130.20% | 113.87% | 93.45% | -3,172 bps | |
| Non-Interest Burden | 4.09% | 4.16% | 4.66% | 5.04% | 5.08% | 5.73% | 4.57% | 3.35% | -170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.83% | 25.04% | -5.07% | -31.31% | -25.02% | -35.08% | -6.29% | 10.68% | +4,199 bps | |
| Loan Growth (YoY) | -19.64% | 24.59% | 42.49% | 15.80% | 75.23% | 12.15% | 5.71% | 0.63% | -1,518 bps | |
| Deposit Growth (YoY) | 29.08% | 31.49% | -6.49% | -38.06% | -29.29% | -41.83% | -7.86% | 14.81% | +5,287 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.14% | 3.67% | 3.47% | 3.82% | 0.00% | 0.00% | 0.00% | 0.00% | -382 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.03% | 0.97% | 1.02% | 0.83% | 1.01% | 1.01% | 1.08% | +6 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.3x | 0.3x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.56% | 12.29% | 13.78% | 17.93% | 17.56% | 17.23% | 18.60% | 15.42% | -251 bps | |
| Total Risk-Based Capital | 58.41% | 62.29% | 62.00% | 62.36% | 44.98% | 57.67% | 47.38% | 61.59% | -78 bps | |
| Equity / Assets | 16.61% | 16.79% | 20.85% | 23.77% | 21.14% | 25.05% | 22.28% | 21.47% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 16.68% | 21.29% | 29.78% | 34.60% | 41.34% | 41.04% | 34.16% | 30.32% | -427 bps | |
| Liquid Assets / Assets | 41.32% | 34.65% | 25.86% | 18.89% | 22.32% | 24.94% | 34.30% | 42.53% | +2,364 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.54% | 81.79% | 85.27% | n/a | n/a | |
Walton, KS · Cert 17982 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · WSB Financial Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-0.02%
Rank 20 of 20
Net Interest Margin
3.93%
Rank 13 of 20
Efficiency Ratio
94.94%
Rank 20 of 20
Equity / Assets
21.47%
Rank 1 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | 0.80% | 1.20% | 1.35% | Beats 0% | 20 / 20 | ||
| Return on Equity | -0.07% | 9.43% | 12.85% | 15.78% | Beats 0% | 20 / 20 | ||
| Net Interest Margin | 3.93% | 3.71% | 4.04% | 4.23% | Beats 35% | 13 / 20 | ||
| Efficiency Ratio | 94.94% | 59.34% | 65.86% | 71.92% | Beats 5% | 20 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.64% | 1.17% | Beats 100% | 2 / 20 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.02% | 0.09% | Beats 100% | 7 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 60.41% | 11.10% | 11.73% | 15.56% | Beats 95% | 1 / 20 | ||
| Total Risk-Based Capital Ratio | 61.59% | 11.80% | 12.57% | 16.49% | Beats 95% | 1 / 20 | ||
| Equity / Assets | 21.47% | 8.39% | 8.81% | 11.24% | Beats 95% | 1 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.32% | 62.67% | 77.26% | 93.25% | 0th pctl | 20 / 20 | ||
| Loans / Assets | 23.44% | 54.38% | 67.74% | 81.71% | 0th pctl | 20 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||