Grandview, MO · Cert 29708 · Nasb Financial Inc.
State savings bank · OCC · 10 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 1.6% share · #11 of 114 inst. · $1.6B 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 | 0.86% | 0.94% | 0.99% | 1.24% | 1.29% | +43 bps | |
| Return on Equity | 6.27% | 6.77% | 7.07% | 8.83% | 9.28% | +301 bps | |
| Net Interest Margin | 2.67% | 2.78% | 2.78% | 2.85% | 2.84% | +17 bps | |
| Efficiency Ratio | 59.38% | 57.78% | 56.40% | 48.58% | 46.12% | -1,326 bps | |
| Non-Interest Burden | 1.50% | 1.49% | 1.45% | 1.21% | 1.13% | -37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 2.56% | 1.62% | 4.03% | 8.86% | +340 bps | |
| Loan Growth (YoY) | 0.52% | 0.70% | 0.77% | 2.11% | 1.77% | +126 bps | |
| Deposit Growth (YoY) | 7.69% | 5.34% | 4.04% | -2.34% | -0.41% | -810 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.87% | 0.79% | 0.92% | 0.79% | 0.90% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | +3 bps | |
| Allowance / Loans | 1.40% | 1.37% | 1.36% | 1.36% | 1.34% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 1.5x | 1.7x | 1.5x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.15% | 14.51% | 14.60% | 14.28% | 14.21% | +6 bps | |
| Total Risk-Based Capital | 20.85% | 21.87% | 20.51% | 18.84% | 18.74% | -211 bps | |
| Equity / Assets | 14.03% | 14.32% | 14.35% | 13.67% | 13.73% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 115.25% | 116.33% | 115.00% | 115.01% | 117.78% | +253 bps | |
| Liquid Assets / Assets | 3.06% | 6.34% | 2.52% | 1.79% | 2.62% | -45 bps | |
| CRE / Total Capital | n/a | 110.05% | 119.98% | 122.58% | n/a | n/a | |