Wichita, KS · Cert 27351 · Bbok Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Wichita, KS area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
10
Profitability
38
Liquidity
0
Efficiency
15
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wichita, KS · Cert 27351 · Bbok Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.6% share · #29 of 46 inst. · $0.1B 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 | 1.45% | 1.29% | 0.59% | 0.56% | 0.67% | 0.58% | 0.71% | 0.75% | +19 bps | |
| Return on Equity | 8.64% | 7.72% | 3.69% | 3.49% | 4.01% | 3.50% | 4.17% | 4.69% | +120 bps | |
| Net Interest Margin | 4.10% | 4.11% | 4.52% | 4.51% | 4.16% | 4.43% | 4.36% | 4.55% | +4 bps | |
| Efficiency Ratio | 73.91% | 75.32% | 84.73% | 82.90% | 80.78% | 81.48% | 78.91% | 78.78% | -412 bps | |
| Non-Interest Burden | 1.78% | 1.97% | 3.29% | 3.11% | 2.68% | 2.92% | 2.69% | 2.79% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.84% | 1.96% | 14.07% | 5.58% | 2.82% | -1.10% | -6.80% | 16.65% | +1,107 bps | |
| Loan Growth (YoY) | 1.29% | 4.67% | 0.39% | -0.17% | 4.75% | 6.38% | 23.13% | 22.23% | +2,241 bps | |
| Deposit Growth (YoY) | -12.74% | 0.14% | 5.28% | -0.82% | -4.30% | 7.05% | -0.88% | 14.11% | +1,492 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.34% | 0.34% | 2.45% | 2.40% | 1.80% | 1.62% | 1.51% | -94 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.53% | 0.62% | 0.60% | 0.58% | 1.10% | 0.68% | 0.75% | +15 bps | |
| Allowance / Loans | 2.05% | 2.01% | 2.13% | 2.24% | 2.35% | 1.84% | 1.80% | 1.82% | -42 bps | |
| Allowance Coverage of NPLs | 6.1x | 5.8x | 6.3x | 0.9x | 1.0x | 1.0x | 1.1x | 1.2x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.71% | 16.58% | 16.93% | 16.97% | 15.83% | 16.75% | 15.52% | 16.31% | -66 bps | |
| Total Risk-Based Capital | 23.92% | 22.72% | 23.91% | 22.93% | 22.53% | 21.46% | 19.68% | 19.22% | -371 bps | |
| Equity / Assets | 18.48% | 16.24% | 15.59% | 16.33% | 18.45% | 17.02% | 17.08% | 14.29% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.31% | 115.96% | 108.68% | 123.98% | 133.89% | 115.23% | 135.00% | 132.81% | +883 bps | |
| Liquid Assets / Assets | 12.53% | 15.64% | 31.40% | 26.44% | 18.17% | 20.72% | 5.13% | 10.41% | -1,603 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 99.11% | 111.01% | 143.63% | n/a | n/a | |
Wichita, KS · Cert 27351 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Bbok Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
0.67%
Rank 16 of 20
Net Interest Margin
4.55%
Rank 2 of 20
Efficiency Ratio
78.78%
Rank 18 of 20
Equity / Assets
14.29%
Rank 3 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.80% | 1.20% | 1.35% | Beats 20% | 16 / 20 | ||
| Return on Equity | 4.67% | 9.43% | 12.85% | 15.78% | Beats 5% | 19 / 20 | ||
| Net Interest Margin | 4.55% | 3.71% | 4.04% | 4.23% | Beats 90% | 2 / 20 | ||
| Efficiency Ratio | 78.78% | 59.34% | 65.86% | 71.92% | Beats 15% | 18 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.06% | 0.64% | 1.17% | Beats 10% | 19 / 20 | ||
| Net Charge-Offs / Loans | 0.45% | n/a | 0.02% | 0.09% | Beats 10% | 19 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.97% | 11.10% | 11.73% | 15.56% | Beats 80% | 4 / 20 | ||
| Total Risk-Based Capital Ratio | 19.22% | 11.80% | 12.57% | 16.49% | Beats 80% | 4 / 20 | ||
| Equity / Assets | 14.29% | 8.39% | 8.81% | 11.24% | Beats 85% | 3 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 132.81% | 62.67% | 77.26% | 93.25% | 95th pctl | 1 / 20 | ||
| Loans / Assets | 67.74% | 54.38% | 67.74% | 81.71% | 50th pctl | 10 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||