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 (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 | 1.25% | 1.75% | 1.37% | 1.30% | 1.21% | 1.56% | 1.50% | 1.66% | +36 bps | |
| Return on Equity | 9.74% | 13.37% | 11.14% | 11.18% | 10.22% | 12.86% | 11.87% | 12.72% | +154 bps | |
| Net Interest Margin | 2.78% | 3.60% | 2.97% | 2.99% | 2.88% | 3.29% | 3.27% | 3.39% | +40 bps | |
| Efficiency Ratio | 45.79% | 32.14% | 40.36% | 39.08% | 45.10% | 33.66% | 39.42% | 38.17% | -91 bps | |
| Non-Interest Burden | 1.17% | 1.32% | 1.14% | 1.09% | 1.21% | 1.05% | 1.18% | 1.21% | +13 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 | 0.11% | 0.36% | -0.04% | 0.00% | 0.01% | 0.12% | 0.01% | 0.06% | +6 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 | |