Bucklin, KS · Cert 18101
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.46% | 1.53% | 1.29% | 1.48% | 1.71% | +24 bps | |
| Return on Equity | 11.76% | 12.77% | 10.92% | 11.44% | 12.37% | +61 bps | |
| Net Interest Margin | 3.61% | 3.74% | 3.69% | 3.56% | 3.83% | +22 bps | |
| Efficiency Ratio | 48.62% | 45.35% | 55.49% | 46.75% | 44.37% | -425 bps | |
| Non-Interest Burden | 1.72% | 1.67% | 2.02% | 1.63% | 1.67% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.95% | 18.49% | 10.83% | 1.66% | 3.17% | +22 bps | |
| Loan Growth (YoY) | 5.37% | 1.93% | 1.36% | 1.07% | 10.98% | +561 bps | |
| Deposit Growth (YoY) | 1.31% | 19.30% | 10.07% | -0.23% | 1.55% | +24 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.93% | 1.92% | 1.84% | 1.95% | 1.75% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.50% | 11.08% | 10.43% | 11.82% | 12.86% | +136 bps | |
| Total Risk-Based Capital | 11.50% | 11.08% | 10.43% | 11.82% | 12.86% | +136 bps | |
| Equity / Assets | 12.46% | 11.54% | 12.00% | 13.93% | 13.66% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.25% | 54.58% | 58.32% | 63.90% | 66.94% | +569 bps | |
| Liquid Assets / Assets | 11.64% | 9.62% | 10.03% | 10.15% | 10.28% | -136 bps | |
| CRE / Total Capital | n/a | 28.45% | 27.48% | 26.55% | n/a | n/a | |