PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Corefirst Bank & Trust

Topeka, KS · Cert 18100 · Commerce B&T Holding Employee STK Ownership Plan

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.3BAssets
$890.8MLoans
$1.1BDeposits
$76.7MEquity
Loan mix
80%RE $705.5M17%C&I $151.0M3%Consumer $24.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $827.0M22%Noninterest $234.7MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.33%Q2 ’254.79%Q2 ’26+15%+18%

Non-interest income vs. expense

3.03%Q2 ’243.11%Q2 ’253.13%Q2 ’26+7%+0%

Market Position · Topeka, KS · 2026 SOD (annual) · 13.8% share · #2 of 30 inst. · $1.0B of $7.1B

16.8% Shawnee
0.2% Johnson
0.1% Arapahoe

Executive Summary

  • Earnings: ROA of 1.33%, up 45 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.21% of loans (-10 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.66%, up 13 bps from a year ago.
  • Funding: loans stand at 83.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.33%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.65%+55 bps YoY

Efficiency Ratio (quarter, annualized)

63.64%-774 bps YoY

Tier 1 Leverage Ratio

8.66%+13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.51%1.11%1.17%1.33%+45 bps
Return on Equity16.35%26.96%19.17%20.49%22.45%+610 bps
Net Interest Margin3.10%3.23%3.55%3.42%3.65%+55 bps
Efficiency Ratio71.38%60.52%67.16%65.00%63.64%-774 bps
Non-Interest Burden1.85%1.20%1.98%1.77%1.86%+1 bps
Growth
Asset Growth (YoY)0.69%1.06%4.30%8.60%0.71%+2 bps
Loan Growth (YoY)2.97%5.75%5.07%9.51%6.26%+329 bps
Deposit Growth (YoY)1.29%-0.12%2.29%3.90%2.93%+163 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.29%0.44%0.22%0.21%-10 bps
Net Charge-Offs / Loans0.08%0.13%0.17%0.15%0.04%-4 bps
Allowance / Loans0.98%0.99%0.97%0.97%1.02%+4 bps
Allowance Coverage of NPLs3.1x3.4x2.2x4.4x4.8x+1.7x
Capital
Tier 1 Leverage Ratio8.53%8.65%8.43%8.42%8.66%+13 bps
Total Risk-Based Capital13.05%13.06%12.72%12.64%12.81%-23 bps
Equity / Assets5.35%5.84%5.75%5.72%6.11%+77 bps
Liquidity & Funding
Loans / Deposits81.27%83.32%82.59%81.81%83.91%+263 bps
Liquid Assets / Assets12.78%14.10%13.44%14.74%10.25%-253 bps
CRE / Total Capitaln/a413%431%442%n/an/a