Garnett, KS · Cert 18019 · Garnett Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #84 of 114 inst. · $0.1B of $99.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.41% | 1.49% | 1.59% | 1.46% | +10 bps | |
| Return on Equity | 16.77% | 17.08% | 17.80% | 18.38% | 16.83% | +5 bps | |
| Net Interest Margin | 4.42% | 4.47% | 4.37% | 4.53% | 4.42% | +1 bps | |
| Efficiency Ratio | 63.15% | 62.21% | 60.30% | 55.72% | 58.27% | -488 bps | |
| Non-Interest Burden | 2.63% | 2.62% | 2.48% | 2.39% | 2.45% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | 7.30% | 10.62% | 13.30% | 7.61% | +395 bps | |
| Loan Growth (YoY) | 2.86% | 8.87% | 10.44% | 19.57% | 8.90% | +604 bps | |
| Deposit Growth (YoY) | 6.09% | 6.79% | 12.15% | 14.27% | 4.61% | -148 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.05% | 0.99% | 1.02% | 1.08% | +2 bps | |
| Allowance Coverage of NPLs | n/a | 4.7x | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.10% | 9.37% | 9.11% | 9.31% | 9.20% | +10 bps | |
| Total Risk-Based Capital | 12.62% | 12.64% | 12.26% | 12.62% | 9.20% | -342 bps | |
| Equity / Assets | 8.13% | 8.67% | 8.60% | 8.65% | 8.80% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.32% | 88.82% | 88.23% | 86.62% | 87.78% | +346 bps | |
| Liquid Assets / Assets | 10.47% | 8.84% | 6.67% | 9.33% | 8.62% | -185 bps | |
| CRE / Total Capital | n/a | 524% | 530% | 524% | n/a | n/a | |