Raymore, MO · Cert 22867 · Lolyn Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #36 of 114 inst. · $0.3B 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 | 1.51% | 1.31% | 1.52% | 1.06% | 1.15% | 1.17% | 1.35% | 1.41% | +35 bps | |
| Return on Equity | 368% | 272% | 109.87% | 72.07% | 58.52% | 49.04% | 33.84% | 35.32% | -3,676 bps | |
| Net Interest Margin | 2.39% | 2.41% | 2.30% | 2.40% | 2.50% | 2.57% | 2.55% | 2.62% | +22 bps | |
| Efficiency Ratio | 57.33% | 60.95% | 57.97% | 58.06% | 58.07% | 59.98% | 61.02% | 59.76% | +170 bps | |
| Non-Interest Burden | 0.60% | 0.76% | 0.62% | 0.73% | 0.82% | 0.92% | 0.96% | 0.96% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.84% | -6.63% | -1.94% | 5.54% | 1.32% | 8.08% | 4.69% | -6.34% | -1,188 bps | |
| Loan Growth (YoY) | 1.61% | -3.95% | 19.40% | 15.13% | 12.40% | 17.42% | 0.41% | 8.82% | -631 bps | |
| Deposit Growth (YoY) | 4.48% | -7.75% | -4.41% | 4.03% | 0.32% | 4.59% | 2.62% | -8.64% | -1,266 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.15% | 1.00% | 0.07% | 0.08% | 0.06% | 0.06% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | 0.53% | 0.46% | 0.09% | 1.94% | 1.38% | 1.03% | 0.01% | 0.02% | -192 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.68% | 0.48% | 0.45% | 0.42% | 0.41% | 0.39% | -9 bps | |
| Allowance Coverage of NPLs | 33.5x | 5.7x | 0.7x | 7.2x | 5.8x | 7.2x | 7.1x | 8.1x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.82% | 8.89% | 9.15% | 8.92% | 9.36% | 9.73% | 9.55% | 9.70% | +77 bps | |
| Total Risk-Based Capital | 21.29% | 21.92% | 19.92% | 25.89% | 24.30% | 27.19% | 20.96% | 20.58% | -531 bps | |
| Equity / Assets | 2.38% | 0.79% | 1.95% | 1.63% | 3.38% | 4.04% | 3.92% | 4.00% | +237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.33% | 32.34% | 36.82% | 31.97% | 32.86% | 36.31% | 36.03% | 38.08% | +611 bps | |
| Liquid Assets / Assets | 12.08% | 9.24% | 4.78% | 16.25% | 14.02% | 5.93% | 7.38% | 4.87% | -1,138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.36% | 78.82% | 74.28% | n/a | n/a | |