Oberlin, KS · Cert 26522 · Decatur Investment Inc.
State charter, non-member · FDIC · 14 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 | 1.98% | 2.04% | 1.62% | 1.89% | 2.06% | +8 bps | |
| Return on Equity | 17.47% | 17.12% | 13.63% | 16.23% | 17.40% | -7 bps | |
| Net Interest Margin | 4.75% | 4.86% | 4.38% | 4.25% | 4.28% | -47 bps | |
| Efficiency Ratio | 36.71% | 40.14% | 47.01% | 38.32% | 37.47% | +76 bps | |
| Non-Interest Burden | 1.97% | 2.16% | 2.28% | 1.76% | 1.74% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.00% | 32.20% | 29.26% | 2.93% | 6.82% | -2,118 bps | |
| Loan Growth (YoY) | 48.00% | 41.98% | 42.14% | 3.12% | 3.39% | -4,461 bps | |
| Deposit Growth (YoY) | 28.24% | 33.52% | 31.92% | 2.10% | 6.56% | -2,168 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.43% | 3.19% | 3.17% | 3.13% | 3.45% | +2 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 2.00% | 2.00% | 1.92% | 2.00% | 1.93% | -7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.81% | 10.99% | 11.33% | 10.87% | 11.46% | +65 bps | |
| Total Risk-Based Capital | 17.95% | 17.91% | 18.08% | 18.76% | 19.35% | +140 bps | |
| Equity / Assets | 11.93% | 11.91% | 11.80% | 11.52% | 12.18% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.00% | 70.56% | 70.10% | 66.49% | 69.85% | -214 bps | |
| Liquid Assets / Assets | 11.44% | 16.09% | 16.36% | 19.90% | 16.38% | +494 bps | |
| CRE / Total Capital | n/a | 28.46% | 29.10% | 29.04% | n/a | n/a | |