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Bank of Protection, The

Protection, KS · Cert 23099 · Protection Bk Holding Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$154.4MAssets
$108.5MLoans
$122.0MDeposits
$17.5MEquity
Loan mix
80%RE $35.5M12%C&I $5.5M8%Consumer $3.5MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $89.4M27%Noninterest $32.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.60%, down 15 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.01% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.81%, down 382 bps from a year ago.
  • Funding: loans stand at 88.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.60%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+21 bps YoY

Efficiency Ratio (YTD, annualized)

47.67%+47 bps YoY

Tier 1 Leverage Ratio

11.81%-382 bps YoY

NIM

5.65%Q2 ’246.01%Q2 ’255.72%Q2 ’26+7%+5%

Non-interest income vs. expense

1.90%Q2 ’241.98%Q2 ’252.38%Q2 ’26+7%+27%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.53%1.82%1.75%1.64%1.56%1.53%1.60%-15 bps
Return on Equity13.12%12.41%14.16%13.38%12.09%12.00%13.23%13.90%+52 bps
Net Interest Margin3.78%3.82%3.98%3.93%3.90%3.07%4.23%4.14%+21 bps
Efficiency Ratio48.28%51.40%45.84%47.20%50.16%53.39%48.77%47.67%+47 bps
Non-Interest Burden1.66%1.81%1.68%1.71%1.80%1.52%2.36%2.18%+46 bps
Growth
Asset Growth (YoY)8.58%6.32%-0.47%3.34%0.18%47.81%55.19%56.79%+5,345 bps
Loan Growth (YoY)10.63%11.28%2.24%6.58%5.19%58.91%69.97%69.50%+6,292 bps
Deposit Growth (YoY)2.27%9.65%5.03%5.57%9.20%53.42%52.68%58.37%+5,280 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.78%0.07%0.10%0.06%0.23%0.01%-6 bps
Net Charge-Offs / Loans0.24%0.17%0.00%0.05%0.04%0.02%0.00%0.00%-5 bps
Allowance / Loans1.30%1.15%1.18%1.09%1.29%0.99%0.89%0.91%-18 bps
Allowance Coverage of NPLsn/an/a1.5x15.8x12.4x16.8x3.9x123.1x+107.3x
Capital
Tier 1 Leverage Ratio15.14%15.45%15.18%15.63%15.93%12.24%11.79%11.81%-382 bps
Total Risk-Based Capital15.14%15.45%15.18%15.63%15.93%12.24%14.62%11.81%-382 bps
Equity / Assets13.61%12.48%13.31%13.43%15.13%11.59%11.60%11.34%-209 bps
Liquidity & Funding
Loans / Deposits78.44%80.42%78.96%83.14%75.56%83.30%87.90%88.98%+584 bps
Liquid Assets / Assets0.54%0.25%0.26%0.25%0.27%0.34%0.33%0.16%-9 bps
CRE / Total Capitaln/an/an/an/a3.89%4.83%5.77%n/an/a