Kansas City, KS · Cert 28507
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #92 of 114 inst. · $0.1B of $99.1B
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 | 0.06% | 0.05% | -0.05% | 0.01% | 0.03% | 0.10% | 0.14% | 0.15% | +14 bps | |
| Return on Equity | 0.45% | 0.41% | -0.40% | 0.07% | 0.26% | 0.85% | 1.23% | 1.32% | +125 bps | |
| Net Interest Margin | 1.87% | 2.00% | 2.26% | 2.35% | 2.38% | 2.44% | 2.40% | 2.44% | +9 bps | |
| Efficiency Ratio | 97.23% | 97.69% | 100.26% | 97.37% | 96.80% | 92.21% | 91.01% | 90.04% | -733 bps | |
| Non-Interest Burden | 1.81% | 1.94% | 2.27% | 2.28% | 2.30% | 2.24% | 2.16% | 2.17% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.71% | 8.83% | 8.38% | 9.11% | 7.14% | 6.29% | 3.59% | 2.38% | -674 bps | |
| Loan Growth (YoY) | 9.08% | 21.15% | 18.63% | 17.61% | 18.05% | 12.18% | 8.94% | 7.15% | -1,046 bps | |
| Deposit Growth (YoY) | 9.78% | 5.90% | 5.35% | 10.37% | -4.79% | 1.04% | 10.01% | 4.06% | -631 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.60% | 0.77% | 0.84% | 0.18% | 0.76% | 1.70% | 2.11% | +127 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.80% | 0.81% | 0.82% | 0.80% | 0.82% | 0.86% | 0.88% | +6 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 1.1x | 1.0x | 4.4x | 1.1x | 0.5x | 0.4x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.82% | 12.49% | 12.06% | 11.77% | 11.87% | 11.62% | 11.40% | 11.71% | -6 bps | |
| Total Risk-Based Capital | 12.82% | 12.49% | 12.06% | 11.77% | 11.87% | 11.62% | 11.40% | 11.71% | -6 bps | |
| Equity / Assets | 12.56% | 12.04% | 11.84% | 11.73% | 11.76% | 11.42% | 11.57% | 11.63% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.11% | 85.55% | 87.36% | 83.28% | 89.40% | 94.98% | 86.51% | 85.75% | +247 bps | |
| Liquid Assets / Assets | 32.66% | 30.16% | 29.15% | 28.36% | 27.95% | 26.48% | 26.71% | 26.09% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 54.53% | 65.27% | 71.89% | n/a | n/a | |