Lees Summit, MO · Cert 29047 · Cosperity Bcorp Inc.
SI · FDIC · 9 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.7% share · #22 of 114 inst. · $0.7B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | 0.03% | -0.53% | 0.15% | 0.41% | +42 bps | |
| Return on Equity | -0.11% | 0.25% | -4.97% | 1.39% | 3.83% | +394 bps | |
| Net Interest Margin | 2.20% | 2.22% | 2.14% | 2.40% | 2.51% | +31 bps | |
| Efficiency Ratio | 100.42% | 98.53% | 96.55% | 94.28% | 84.11% | -1,631 bps | |
| Non-Interest Burden | 2.21% | 2.18% | 2.06% | 2.24% | 2.02% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | -0.59% | -0.64% | 0.02% | -0.81% | -336 bps | |
| Loan Growth (YoY) | 0.65% | -0.87% | -2.19% | 0.32% | 1.05% | +40 bps | |
| Deposit Growth (YoY) | -0.02% | -3.68% | -1.88% | 2.69% | 2.75% | +277 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.80% | 0.75% | 0.52% | 0.45% | -21 bps | |
| Net Charge-Offs / Loans | 0.67% | 0.64% | 0.62% | 0.33% | 0.29% | -39 bps | |
| Allowance / Loans | 1.64% | 1.54% | 1.45% | 1.34% | 1.31% | -33 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.9x | 1.9x | 2.6x | 2.9x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.17% | 11.14% | 11.14% | 11.16% | 11.32% | +15 bps | |
| Total Risk-Based Capital | 11.17% | 11.14% | 11.14% | 11.16% | 11.32% | +15 bps | |
| Equity / Assets | 10.60% | 10.79% | 10.69% | 10.57% | 10.75% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.95% | 111.78% | 112.79% | 111.04% | 111.08% | -187 bps | |
| Liquid Assets / Assets | 3.12% | 3.10% | 2.86% | 4.19% | 4.21% | +109 bps | |
| CRE / Total Capital | n/a | 56.77% | 57.71% | 62.79% | n/a | n/a | |