De Soto, KS · Cert 18109 · Astra Financial Corp.
State charter, non-member · FDIC · 3 branches
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 Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
100
Profitability
53
Liquidity
0
Efficiency
92
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.
De Soto, KS · Cert 18109 · Astra Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #74 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.55% | 1.51% | 1.58% | 1.58% | 1.62% | 1.61% | 1.68% | +10 bps | |
| Return on Equity | 13.75% | 13.48% | 13.79% | 14.50% | 14.53% | 14.78% | 15.04% | 15.70% | +120 bps | |
| Net Interest Margin | 3.68% | 3.65% | 3.69% | 3.70% | 3.81% | 3.78% | 3.79% | 3.76% | +6 bps | |
| Efficiency Ratio | 45.09% | 46.10% | 45.34% | 44.72% | 44.39% | 44.15% | 43.65% | 42.54% | -219 bps | |
| Non-Interest Burden | 1.59% | 1.62% | 1.61% | 1.60% | 1.62% | 1.60% | 1.56% | 1.51% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.58% | 13.10% | 19.27% | 12.74% | 14.49% | 13.35% | 12.45% | 11.35% | -139 bps | |
| Loan Growth (YoY) | 14.30% | 22.84% | 32.84% | 29.51% | 23.19% | 22.28% | 12.02% | 11.91% | -1,760 bps | |
| Deposit Growth (YoY) | 14.67% | 9.66% | 20.17% | 22.95% | 27.09% | 23.56% | 20.73% | 16.86% | -609 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.05% | 0.99% | 0.98% | 1.01% | 1.02% | 1.06% | 1.04% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.69% | 11.54% | 10.87% | 10.91% | 11.06% | 11.21% | 10.76% | 10.76% | -15 bps | |
| Total Risk-Based Capital | 11.69% | 11.54% | 10.87% | 10.91% | 11.06% | 11.21% | 10.76% | 10.76% | -15 bps | |
| Equity / Assets | 11.69% | 11.41% | 10.52% | 10.76% | 10.91% | 11.11% | 10.33% | 10.71% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 148.82% | 145.91% | 135.93% | 138.28% | 144.25% | 144.40% | 126.12% | 132.42% | -585 bps | |
| Liquid Assets / Assets | 15.55% | 14.74% | 16.00% | 13.00% | 8.28% | 7.42% | 15.44% | 11.70% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 498% | 451% | 447% | n/a | n/a | |
De Soto, KS · Cert 18109 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Astra Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.63%
Rank 14 of 40
Net Interest Margin
3.76%
Rank 25 of 40
Efficiency Ratio
42.54%
Rank 4 of 40
Equity / Assets
10.71%
Rank 17 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.63% | 1.02% | 1.39% | 1.86% | Beats 65% | 14 / 40 | ||
| Return on Equity | 15.24% | 10.74% | 14.78% | 21.32% | Beats 57% | 17 / 40 | ||
| Net Interest Margin | 3.76% | 3.33% | 4.05% | 4.63% | Beats 38% | 25 / 40 | ||
| Efficiency Ratio | 42.54% | 51.70% | 58.10% | 69.29% | Beats 92% | 4 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.20% | 1.11% | Beats 100% | 8 / 39 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.76% | 11.32% | 12.27% | 16.94% | Beats 20% | 32 / 40 | ||
| Total Risk-Based Capital Ratio | 10.76% | 11.32% | 13.09% | 17.63% | Beats 18% | 33 / 40 | ||
| Equity / Assets | 10.71% | 8.41% | 10.10% | 12.34% | Beats 57% | 17 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 132.42% | 73.50% | 85.60% | 94.85% | 95th pctl | 2 / 40 | ||
| Loans / Assets | 83.67% | 62.75% | 69.87% | 79.23% | 83rd pctl | 7 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||