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 (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 | 0.81% | 0.87% | 0.76% | 0.85% | 0.83% | 0.84% | 0.88% | 0.89% | +4 bps | |
| Return on Equity | 8.39% | 9.05% | 8.15% | 9.29% | 9.25% | 9.49% | 10.03% | 10.21% | +92 bps | |
| Net Interest Margin | 3.55% | 3.66% | 4.08% | 4.02% | 3.91% | 3.84% | 4.03% | 3.78% | -24 bps | |
| Efficiency Ratio | 68.33% | 67.56% | 72.22% | 70.32% | 70.50% | 70.05% | 67.73% | 67.21% | -310 bps | |
| Non-Interest Burden | 2.39% | 2.43% | 2.93% | 2.79% | 2.73% | 2.66% | 2.70% | 2.51% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.54% | 13.33% | 13.28% | 9.46% | 15.92% | 22.15% | 24.28% | 29.14% | +1,968 bps | |
| Loan Growth (YoY) | 20.57% | 18.61% | 15.35% | 15.83% | 18.71% | 20.72% | 29.82% | 28.33% | +1,250 bps | |
| Deposit Growth (YoY) | 20.19% | 13.84% | 12.48% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.92% | 0.98% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.88% | 9.90% | 9.37% | 9.08% | 8.79% | 9.67% | 8.91% | -46 bps | |
| Total Risk-Based Capital | 11.57% | 11.91% | 12.17% | 11.66% | 10.98% | 10.83% | 11.44% | 10.94% | -72 bps | |
| Equity / Assets | 9.45% | 9.56% | 9.18% | 8.85% | 8.52% | 8.42% | 9.13% | 8.61% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.88% | 95.89% | 95.32% | 98.53% | 95.87% | 95.23% | 99.12% | 97.13% | -140 bps | |
| Liquid Assets / Assets | 2.37% | 2.30% | 2.21% | 1.93% | 1.78% | 1.37% | 1.40% | 1.29% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 572% | 581% | 527% | n/a | n/a | |