Kansas City, MO · Cert 19600 · Dickinson Financial Corp. II
National charter · OCC · 1 affiliate bank · 80 branches (95 in holding)
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 1.4% share · #13 of 114 inst. · $1.4B of $99.1B
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 | 0.84% | 0.73% | 0.73% | 0.53% | 1.01% | 1.00% | 1.01% | 1.09% | +56 bps | |
| Return on Equity | 5.67% | 5.09% | 5.19% | 3.76% | 7.28% | 7.24% | 7.23% | 7.58% | +381 bps | |
| Net Interest Margin | 3.09% | 3.03% | 3.01% | 3.31% | 3.39% | 3.33% | 3.20% | 3.45% | +14 bps | |
| Efficiency Ratio | 74.10% | 73.36% | 73.22% | 68.27% | 66.15% | 63.30% | 63.33% | 62.24% | -603 bps | |
| Non-Interest Burden | 1.87% | 1.83% | 1.84% | 1.76% | 1.71% | 1.58% | 1.50% | 1.60% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.97% | 12.36% | 11.00% | 11.92% | 11.08% | 13.51% | 11.47% | 7.74% | -417 bps | |
| Loan Growth (YoY) | 2.73% | 14.95% | 11.68% | 15.34% | 20.10% | 5.18% | 7.48% | 5.48% | -986 bps | |
| Deposit Growth (YoY) | 12.16% | 15.38% | 13.00% | 14.12% | 13.39% | 15.91% | 13.71% | 9.15% | -497 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 0.74% | 1.15% | 0.73% | 0.83% | 0.89% | 1.15% | 1.05% | +32 bps | |
| Net Charge-Offs / Loans | 0.11% | -0.01% | 0.16% | 0.64% | 0.16% | 0.98% | 0.13% | 0.44% | -20 bps | |
| Allowance / Loans | 1.38% | 1.31% | 1.32% | 1.38% | 1.38% | 1.29% | 1.34% | 1.38% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.1x | 1.9x | 1.7x | 1.4x | 1.2x | 1.3x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.50% | 14.39% | 14.29% | 14.34% | 14.24% | 14.22% | 14.10% | 14.35% | +1 bps | |
| Total Risk-Based Capital | 19.51% | 17.51% | 17.52% | 17.37% | 17.02% | 18.26% | 18.04% | 18.27% | +90 bps | |
| Equity / Assets | 14.56% | 13.92% | 14.20% | 14.06% | 13.68% | 13.87% | 14.17% | 14.58% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.76% | 96.47% | 96.31% | 96.17% | 94.00% | 87.54% | 91.04% | 92.93% | -324 bps | |
| Liquid Assets / Assets | 12.17% | 5.20% | 5.34% | 5.37% | 6.85% | 11.45% | 8.31% | 6.17% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 317% | 318% | n/a | n/a | |