Butler, MO · Cert 22601 · Amsterdam Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #65 of 114 inst. · $0.1B of $99.1B
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 | 2.17% | 2.27% | 2.25% | 2.25% | 2.22% | 2.22% | 1.84% | 1.91% | -34 bps | |
| Return on Equity | 23.40% | 24.29% | 24.21% | 24.16% | 24.03% | 24.44% | 22.98% | 23.98% | -18 bps | |
| Net Interest Margin | 5.91% | 5.89% | 6.11% | 6.14% | 6.25% | 6.23% | 5.83% | 5.93% | -21 bps | |
| Efficiency Ratio | 53.59% | 52.31% | 54.28% | 54.38% | 54.84% | 55.19% | 60.12% | 59.85% | +547 bps | |
| Non-Interest Burden | 3.03% | 2.95% | 3.20% | 3.21% | 3.30% | 3.32% | 3.42% | 3.46% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.25% | -2.70% | 1.63% | 1.83% | -0.38% | -0.88% | 0.73% | 0.21% | -163 bps | |
| Loan Growth (YoY) | 7.34% | 4.20% | 6.83% | 5.15% | 4.99% | 7.05% | 5.73% | 6.56% | +141 bps | |
| Deposit Growth (YoY) | 0.83% | 0.24% | 1.60% | 2.62% | 0.56% | -1.13% | 2.26% | 0.87% | -175 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.02% | 0.12% | 0.11% | 0.15% | 0.10% | 0.13% | 0.20% | +8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.04% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.11% | 1.12% | 1.12% | 1.09% | 1.08% | 1.08% | -4 bps | |
| Allowance Coverage of NPLs | 5.7x | 69.4x | 9.4x | 9.8x | 7.5x | 11.1x | 8.6x | 5.5x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.35% | 9.13% | 9.20% | 9.13% | 8.22% | 7.89% | 7.73% | -147 bps | |
| Total Risk-Based Capital | 13.12% | 13.28% | 12.42% | 12.62% | 12.29% | 11.27% | 10.76% | 10.90% | -172 bps | |
| Equity / Assets | 9.45% | 9.58% | 9.06% | 9.31% | 9.04% | 8.33% | 7.69% | 7.86% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.21% | 91.70% | 90.72% | 94.27% | 95.23% | 99.28% | 93.79% | 99.59% | +532 bps | |
| Liquid Assets / Assets | 0.64% | 5.41% | 5.07% | 3.60% | 2.90% | 1.28% | 6.03% | 1.66% | -194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 285% | 311% | 322% | n/a | n/a | |