Overbrook, KS · Cert 1865
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 1.2% share · #18 of 30 inst. · $0.1B of $7.1B
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 | 1.10% | 1.10% | 0.99% | 1.04% | 1.09% | 1.15% | 0.78% | 1.37% | +34 bps | |
| Return on Equity | 11.19% | 11.13% | 9.83% | 10.07% | 10.31% | 10.84% | 7.20% | 12.50% | +243 bps | |
| Net Interest Margin | 3.49% | 3.48% | 3.58% | 3.66% | 3.66% | 3.60% | 3.61% | 3.76% | +10 bps | |
| Efficiency Ratio | 59.55% | 61.12% | 60.60% | 60.00% | 58.79% | 58.23% | 61.60% | 46.62% | -1,338 bps | |
| Non-Interest Burden | 1.95% | 2.01% | 2.05% | 2.08% | 2.03% | 1.98% | 2.13% | 1.62% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | 3.62% | 3.10% | 3.14% | 7.92% | 10.54% | 11.27% | 8.70% | +555 bps | |
| Loan Growth (YoY) | 8.48% | 6.35% | 6.81% | 5.72% | 7.78% | 6.93% | 8.93% | 8.99% | +328 bps | |
| Deposit Growth (YoY) | -2.11% | 3.36% | 4.47% | 6.24% | 8.88% | 11.26% | 13.03% | 9.73% | +348 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.96% | 0.92% | 0.84% | 0.84% | 0.86% | 0.83% | 0.70% | -13 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 3.05% | 3.15% | 3.10% | 2.95% | 3.06% | 3.17% | 3.06% | 2.85% | -10 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.3x | 3.4x | 3.5x | 3.6x | 3.7x | 3.7x | 4.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.23% | 13.15% | 13.16% | 13.23% | 13.31% | 13.07% | 12.73% | 13.17% | -6 bps | |
| Total Risk-Based Capital | 20.48% | 20.50% | 20.38% | 19.81% | 13.31% | 13.07% | 12.73% | 13.17% | -664 bps | |
| Equity / Assets | 11.00% | 9.94% | 10.28% | 10.64% | 11.23% | 11.08% | 10.63% | 11.29% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.35% | 68.38% | 69.20% | 73.53% | 71.63% | 65.72% | 66.69% | 73.03% | -49 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 3.19% | 1.35% | 2.17% | 2.19% | 2.36% | 1.13% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 35.40% | 35.31% | 38.59% | n/a | n/a | |