Manhattan, KS · Cert 19899 · Manhattan Banking Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
33
Profitability
52
Liquidity
63
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Manhattan, KS · Cert 19899 · Manhattan Banking Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 29.0% share · #1 of 22 inst. · $1.3B of $4.5B
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 | 1.02% | 1.21% | 1.37% | 1.34% | 1.30% | 1.37% | 1.50% | 1.57% | +23 bps | |
| Return on Equity | 8.09% | 9.48% | 11.14% | 11.06% | 10.75% | 11.30% | 11.87% | 12.29% | +123 bps | |
| Net Interest Margin | 2.61% | 2.85% | 2.97% | 2.91% | 2.88% | 3.05% | 3.27% | 3.32% | +41 bps | |
| Efficiency Ratio | 49.16% | 44.27% | 40.36% | 39.70% | 41.51% | 39.41% | 39.42% | 38.79% | -91 bps | |
| Non-Interest Burden | 1.19% | 1.22% | 1.14% | 1.08% | 1.12% | 1.13% | 1.18% | 1.19% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.28% | -0.02% | 9.97% | 8.96% | 9.09% | 6.50% | -2.33% | -1.67% | -1,063 bps | |
| Loan Growth (YoY) | 1.96% | 2.40% | 4.86% | 3.65% | 3.46% | 2.56% | -0.71% | 0.66% | -299 bps | |
| Deposit Growth (YoY) | -0.70% | -2.20% | 11.16% | 11.08% | 11.53% | 8.50% | -3.49% | -2.74% | -1,383 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 0.61% | 1.03% | 1.17% | 2.55% | 2.26% | 2.39% | 2.49% | +133 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.13% | -0.04% | -0.02% | -0.01% | 0.02% | 0.01% | 0.03% | +5 bps | |
| Allowance / Loans | 1.87% | 1.77% | 1.77% | 1.86% | 1.88% | 1.88% | 1.95% | 1.92% | +6 bps | |
| Allowance Coverage of NPLs | 1.3x | 2.9x | 1.7x | 1.6x | 0.7x | 0.8x | 0.8x | 0.8x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.96% | 13.32% | 11.98% | 11.62% | 11.75% | 12.41% | 12.73% | 12.97% | +134 bps | |
| Total Risk-Based Capital | 12.96% | 13.32% | 11.98% | 11.62% | 11.75% | 12.41% | 12.73% | 12.97% | +134 bps | |
| Equity / Assets | 13.00% | 13.24% | 11.46% | 11.80% | 11.87% | 12.37% | 12.89% | 13.17% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.79% | 98.34% | 91.25% | 91.36% | 90.72% | 92.96% | 93.87% | 94.56% | +320 bps | |
| Liquid Assets / Assets | 1.85% | 0.82% | 6.30% | 6.20% | 7.56% | 5.32% | 4.41% | 3.64% | -256 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 294% | 284% | n/a | n/a | |
Manhattan, KS · Cert 19899 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Manhattan Banking Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.58%
Rank 40 of 176
Net Interest Margin
3.32%
Rank 126 of 176
Efficiency Ratio
38.79%
Rank 7 of 176
Equity / Assets
13.17%
Rank 21 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.58% | 0.93% | 1.26% | 1.54% | Beats 77% | 40 / 176 | ||
| Return on Equity | 12.00% | 9.26% | 11.89% | 14.46% | Beats 51% | 87 / 176 | ||
| Net Interest Margin | 3.32% | 3.25% | 3.59% | 3.93% | Beats 28% | 126 / 176 | ||
| Efficiency Ratio | 38.79% | 52.79% | 59.55% | 67.66% | Beats 97% | 7 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.49% | 0.30% | 0.64% | 1.32% | Beats 5% | 169 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 60% | 72 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.97% | 11.15% | 12.72% | 14.15% | Beats 53% | 82 / 176 | ||
| Total Risk-Based Capital Ratio | 12.97% | 11.81% | 13.63% | 15.33% | Beats 40% | 106 / 176 | ||
| Equity / Assets | 13.17% | 9.16% | 10.35% | 11.80% | Beats 88% | 21 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.56% | 80.94% | 89.73% | 97.21% | 68th pctl | 57 / 176 | ||
| Loans / Assets | 78.93% | 69.25% | 75.12% | 80.82% | 67th pctl | 58 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||