Salina, KS · Cert 18431 · Ottawa Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 8 branches (14 in holding)
Q2 2026
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 | 2.37% | 2.27% | 1.66% | 1.74% | 1.71% | 1.90% | 2.12% | 3.12% | +138 bps | |
| Return on Equity | 36.40% | 35.01% | 25.33% | 25.99% | 25.01% | 27.34% | 28.72% | 41.27% | +1,528 bps | |
| Net Interest Margin | 3.57% | 3.58% | 3.91% | 4.00% | 4.05% | 4.04% | 4.42% | 4.49% | +49 bps | |
| Efficiency Ratio | 52.15% | 53.41% | 61.57% | 60.44% | 60.86% | 58.46% | 56.43% | 54.26% | -618 bps | |
| Non-Interest Burden | 0.26% | 0.48% | 1.70% | 1.68% | 1.74% | 1.55% | 1.66% | 1.56% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.59% | 4.20% | 4.90% | 4.15% | 6.31% | 4.51% | 6.39% | 7.81% | +366 bps | |
| Loan Growth (YoY) | 7.80% | 6.88% | 9.62% | 8.73% | 12.28% | 12.23% | 13.68% | 12.27% | +355 bps | |
| Deposit Growth (YoY) | -1.70% | 3.81% | 3.87% | 4.18% | 6.31% | 3.55% | 6.57% | 7.57% | +338 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.17% | 0.06% | 0.02% | 0.04% | 0.49% | 0.59% | 0.04% | +2 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.22% | 0.00% | 0.02% | 0.02% | 0.01% | 0.03% | 0.01% | -1 bps | |
| Allowance / Loans | 1.37% | 1.35% | 1.38% | 1.37% | 1.42% | 1.45% | 1.46% | 1.48% | +11 bps | |
| Allowance Coverage of NPLs | 4.2x | 8.0x | 22.0x | 56.9x | 37.6x | 3.0x | 2.5x | 35.8x | -21.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.65% | 8.23% | 8.20% | 8.29% | 8.20% | 8.09% | 8.26% | 8.83% | +54 bps | |
| Total Risk-Based Capital | 15.12% | 14.36% | 14.34% | 13.96% | 13.72% | 13.50% | 13.47% | 14.14% | +17 bps | |
| Equity / Assets | 7.25% | 6.36% | 6.76% | 6.94% | 7.29% | 7.35% | 7.38% | 7.92% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.82% | 67.90% | 68.75% | 71.67% | 72.68% | 73.59% | 73.34% | 74.80% | +314 bps | |
| Liquid Assets / Assets | 6.16% | 6.21% | 5.07% | 2.12% | 2.75% | 3.06% | 3.53% | 2.89% | +77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 235% | 249% | 257% | n/a | n/a | |