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 (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 | -0.74% | -1.12% | -1.65% | 0.25% | -1.09% | -1.70% | -0.55% | 0.47% | +21 bps | |
| Return on Equity | -4.39% | -6.72% | -8.86% | 1.15% | -4.88% | -7.42% | -2.32% | 2.15% | +100 bps | |
| Net Interest Margin | 3.08% | 3.02% | 3.14% | 3.90% | 4.73% | 4.79% | 4.14% | 4.15% | +25 bps | |
| Efficiency Ratio | 154.17% | 141.13% | 146.67% | 106.92% | 113.64% | 168.57% | 113.87% | 79.40% | -2,752 bps | |
| Non-Interest Burden | 4.88% | 4.36% | 4.66% | 4.12% | 5.19% | 6.98% | 4.57% | 2.62% | -150 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 | 0.00% | -0.14% | 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 | |