Plains, KS · Cert 18118 · Plains Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.72% | 0.57% | 0.67% | 0.80% | 0.67% | 2.35% | 1.20% | +53 bps | |
| Return on Equity | 7.53% | 7.89% | 6.29% | 7.22% | 8.49% | 6.91% | 24.32% | 12.41% | +519 bps | |
| Net Interest Margin | 3.87% | 4.09% | 3.79% | 3.87% | 3.88% | 4.10% | 4.08% | 4.26% | +39 bps | |
| Efficiency Ratio | 74.07% | 71.65% | 73.72% | 70.85% | 71.99% | 69.25% | 46.51% | 62.00% | -885 bps | |
| Non-Interest Burden | 2.81% | 2.87% | 2.74% | 2.66% | 2.71% | 2.73% | 0.92% | 2.52% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 2.52% | 2.86% | 5.74% | 5.08% | 2.39% | 2.34% | 0.87% | -487 bps | |
| Loan Growth (YoY) | 17.26% | 16.39% | 12.87% | 8.93% | 8.02% | 2.57% | -1.41% | 2.58% | -635 bps | |
| Deposit Growth (YoY) | 1.45% | -0.73% | 3.34% | 7.04% | 7.56% | 10.77% | 3.77% | 1.21% | -583 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.74% | 0.65% | 0.61% | 0.74% | 0.50% | 0.49% | 0.44% | -18 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.23% | 0.02% | -0.02% | 0.16% | 0.14% | -0.02% | 0.01% | +3 bps | |
| Allowance / Loans | 1.18% | 1.13% | 1.25% | 1.38% | 1.37% | 1.42% | 1.50% | 1.49% | +11 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.5x | 1.9x | 2.2x | 1.9x | 2.9x | 3.1x | 3.4x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.75% | 8.74% | 8.82% | 8.88% | 9.17% | 8.78% | 9.30% | +48 bps | |
| Total Risk-Based Capital | 11.82% | 11.55% | 12.12% | 12.69% | 12.99% | 12.90% | 13.49% | 13.10% | +41 bps | |
| Equity / Assets | 9.38% | 8.96% | 9.19% | 9.29% | 9.68% | 9.78% | 9.51% | 9.84% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.10% | 89.53% | 82.33% | 80.33% | 82.45% | 82.90% | 78.22% | 81.42% | +109 bps | |
| Liquid Assets / Assets | 8.48% | 8.20% | 8.38% | 11.44% | 9.46% | 9.84% | 14.52% | 10.75% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 268% | 264% | 264% | n/a | n/a | |