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 | |