Chanute, KS · Cert 26217 · Southeast Bancshares Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.0% share · #45 of 46 inst. · $0.0B 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 | 0.90% | 0.91% | 1.07% | 1.04% | 1.06% | 1.02% | 1.06% | 1.17% | +13 bps | |
| Return on Equity | 9.63% | 9.68% | 11.27% | 10.99% | 10.99% | 10.60% | 11.22% | 12.26% | +127 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.25% | 3.25% | 3.30% | 3.30% | 3.39% | 3.41% | +16 bps | |
| Efficiency Ratio | 67.73% | 67.63% | 64.66% | 64.85% | 64.59% | 65.75% | 64.80% | 62.28% | -257 bps | |
| Non-Interest Burden | 1.98% | 1.98% | 1.88% | 1.91% | 1.94% | 2.00% | 2.04% | 1.93% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.18% | -0.98% | 3.71% | 4.28% | 4.93% | 6.50% | 6.47% | 5.96% | +168 bps | |
| Loan Growth (YoY) | 5.02% | 2.16% | 5.30% | 6.37% | 3.86% | 7.79% | 5.86% | 5.57% | -79 bps | |
| Deposit Growth (YoY) | -0.17% | -1.34% | 3.85% | 4.29% | 5.41% | 6.90% | 5.63% | 5.43% | +114 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.05% | 0.05% | 0.05% | 0.00% | 0.00% | 0.01% | 0.05% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.23% | 1.21% | 1.25% | 1.22% | 1.19% | 1.17% | -4 bps | |
| Allowance Coverage of NPLs | 21.1x | 27.9x | 26.6x | 24.8x | 968.3x | 1953.0x | 95.3x | 22.9x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.16% | 9.11% | 9.15% | 9.37% | 9.27% | 9.19% | 9.19% | +4 bps | |
| Total Risk-Based Capital | 14.65% | 14.73% | 14.57% | 14.68% | 14.99% | 14.68% | 14.73% | 14.92% | +24 bps | |
| Equity / Assets | 9.74% | 9.51% | 9.43% | 9.56% | 9.92% | 9.53% | 9.44% | 9.63% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.40% | 73.81% | 74.18% | 75.98% | 75.27% | 74.42% | 74.34% | 76.08% | +10 bps | |
| Liquid Assets / Assets | 25.38% | 27.59% | 26.69% | 25.02% | 26.28% | 26.73% | 27.89% | 26.44% | +142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 99.50% | 101.50% | 94.36% | n/a | n/a | |