Garden City, KS · Cert 21121 · Whitcorp Financial Co.
State charter, non-member · FDIC · 1 affiliate bank · 9 branches (17 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 | 1.95% | 1.94% | 1.95% | 1.97% | 1.99% | 1.97% | 1.93% | 1.16% | -81 bps | |
| Return on Equity | 21.58% | 21.44% | 21.12% | 21.29% | 21.09% | 20.69% | 19.52% | 11.60% | -969 bps | |
| Net Interest Margin | 4.45% | 4.26% | 4.19% | 4.29% | 4.37% | 4.32% | 4.30% | 4.37% | +7 bps | |
| Efficiency Ratio | 39.64% | 39.96% | 41.28% | 41.60% | 41.66% | 42.16% | 42.71% | 43.24% | +164 bps | |
| Non-Interest Burden | 1.57% | 1.51% | 1.55% | 1.60% | 1.63% | 1.63% | 1.66% | 1.71% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.28% | 8.42% | 7.74% | 9.14% | 5.18% | 7.63% | 5.51% | 1.32% | -782 bps | |
| Loan Growth (YoY) | 17.04% | 14.13% | 13.06% | 7.43% | 4.07% | 0.91% | 0.67% | -2.17% | -960 bps | |
| Deposit Growth (YoY) | 16.37% | 10.94% | 10.02% | 13.76% | 4.88% | 7.71% | 5.22% | 0.46% | -1,331 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.73% | 0.70% | 0.66% | 0.61% | 0.76% | 1.27% | 3.04% | +238 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | 0.02% | 0.01% | 0.01% | 0.00% | 0.13% | 1.34% | +133 bps | |
| Allowance / Loans | 2.04% | 2.02% | 2.06% | 2.13% | 2.22% | 2.25% | 2.28% | 2.51% | +38 bps | |
| Allowance Coverage of NPLs | 5.1x | 2.8x | 3.0x | 3.2x | 3.6x | 2.9x | 1.8x | 0.8x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.67% | 10.50% | 10.56% | 10.53% | 10.65% | 10.59% | 10.63% | 10.69% | +16 bps | |
| Total Risk-Based Capital | 14.71% | 14.51% | 14.87% | 14.60% | 14.97% | 14.86% | 14.94% | 15.04% | +44 bps | |
| Equity / Assets | 9.53% | 9.14% | 9.35% | 9.31% | 9.94% | 9.93% | 9.81% | 10.25% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.00% | 78.32% | 76.68% | 76.22% | 75.42% | 73.38% | 73.37% | 74.23% | -199 bps | |
| Liquid Assets / Assets | 3.24% | 0.24% | 1.36% | 0.98% | 0.89% | 3.35% | 3.13% | 0.51% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.32% | 96.97% | 99.83% | n/a | n/a | |