Protection, KS · Cert 23099 · Protection Bk Holding Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 1.68% | 1.39% | 1.59% | 1.53% | 1.66% | -2 bps | |
| Return on Equity | 12.59% | 9.77% | 12.28% | 13.23% | 14.50% | +190 bps | |
| Net Interest Margin | 3.87% | 3.87% | 4.03% | 4.23% | 4.11% | +25 bps | |
| Efficiency Ratio | 48.61% | 55.93% | 60.19% | 48.77% | 46.56% | -204 bps | |
| Non-Interest Burden | 1.74% | 1.98% | 2.33% | 2.36% | 2.03% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.34% | 0.18% | 47.81% | 55.19% | 56.79% | +5,345 bps | |
| Loan Growth (YoY) | 6.58% | 5.19% | 58.91% | 69.97% | 69.50% | +6,292 bps | |
| Deposit Growth (YoY) | 5.57% | 9.20% | 53.42% | 52.68% | 58.37% | +5,280 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.10% | 0.06% | 0.23% | 0.01% | -6 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | -11 bps | |
| Allowance / Loans | 1.09% | 1.29% | 0.99% | 0.89% | 0.91% | -18 bps | |
| Allowance Coverage of NPLs | 15.8x | 12.4x | 16.8x | 3.9x | 123.1x | +107.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.63% | 15.93% | 12.24% | 11.79% | 11.81% | -382 bps | |
| Total Risk-Based Capital | 15.63% | 15.93% | 12.24% | 14.62% | 11.81% | -382 bps | |
| Equity / Assets | 13.43% | 15.13% | 11.59% | 11.60% | 11.34% | -209 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.14% | 75.56% | 83.30% | 87.90% | 88.98% | +584 bps | |
| Liquid Assets / Assets | 0.25% | 0.27% | 0.34% | 0.33% | 0.16% | -9 bps | |
| CRE / Total Capital | n/a | 3.89% | 4.83% | 5.77% | n/a | n/a | |