Wichita, KS · Cert 21955 · Chisholm Trail Financial Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 1.3% share · #12 of 46 inst. · $0.3B of $23.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.80% | 0.86% | 0.88% | 0.90% | -4 bps | |
| Return on Equity | 10.44% | 9.25% | 10.11% | 10.03% | 10.19% | -24 bps | |
| Net Interest Margin | 4.18% | 4.10% | 4.24% | 4.03% | 3.88% | -30 bps | |
| Efficiency Ratio | 68.58% | 70.84% | 68.87% | 67.73% | 66.73% | -186 bps | |
| Non-Interest Burden | 2.83% | 2.87% | 2.89% | 2.70% | 2.56% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.46% | 15.92% | 22.15% | 24.28% | 29.14% | +1,968 bps | |
| Loan Growth (YoY) | 15.83% | 18.71% | 20.72% | 29.82% | 28.33% | +1,250 bps | |
| Deposit Growth (YoY) | 7.61% | 15.01% | 21.56% | 24.84% | 30.18% | +2,257 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.96% | 1.01% | 0.97% | 0.97% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.37% | 9.08% | 8.79% | 9.67% | 8.91% | -46 bps | |
| Total Risk-Based Capital | 11.66% | 10.98% | 10.83% | 11.44% | 10.94% | -72 bps | |
| Equity / Assets | 8.85% | 8.52% | 8.42% | 9.13% | 8.61% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.53% | 95.87% | 95.23% | 99.12% | 97.13% | -140 bps | |
| Liquid Assets / Assets | 1.93% | 1.78% | 1.37% | 1.40% | 1.29% | -64 bps | |
| CRE / Total Capital | n/a | 572% | 581% | 527% | n/a | n/a | |