Liberty, MO · Cert 29764
FDIC · 3 branches
Q2 2025
Market Position · Kansas City, MO-KS · 2025 SOD (annual) · 0.1% share · #69 of 116 inst. · $0.1B of $99.6B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.01% | 0.07% | -0.05% | -0.32% | -0.18% | -0.64% | -0.88% | -82 bps | |
| Return on Equity | -1.01% | 0.16% | 1.08% | -0.75% | -4.53% | -2.58% | -8.67% | -9.29% | -854 bps | |
| Net Interest Margin | 2.54% | 2.50% | 2.32% | 2.46% | 2.61% | 2.73% | 2.93% | 2.07% | -39 bps | |
| Efficiency Ratio | 105.28% | 101.89% | 97.31% | 95.06% | 92.53% | 90.14% | 120.05% | 55.47% | -3,959 bps | |
| Non-Interest Burden | 2.69% | 2.55% | 2.24% | 2.31% | 2.39% | 2.43% | 3.56% | 1.22% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | -0.47% | -5.42% | -12.95% | -9.03% | -8.71% | -8.55% | -4.10% | +885 bps | |
| Loan Growth (YoY) | 9.85% | 4.05% | 2.88% | -2.15% | -4.54% | -8.92% | -8.45% | -11.07% | -892 bps | |
| Deposit Growth (YoY) | -15.71% | -16.27% | -22.79% | -19.05% | -3.51% | -1.56% | 1.51% | -2.41% | +1,664 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.19% | 0.07% | 0.07% | 0.19% | 0.07% | 0.07% | 0.89% | +82 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.12% | 0.50% | 0.26% | 0.17% | 0.13% | -0.14% | -0.02% | -27 bps | |
| Allowance / Loans | 1.12% | 1.11% | 1.00% | 1.04% | 1.04% | 1.09% | 1.13% | 1.53% | +49 bps | |
| Allowance Coverage of NPLs | 7.5x | 5.9x | 15.1x | 15.1x | 5.4x | 15.2x | 15.7x | 1.7x | -13.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.74% | 7.73% | 7.82% | 7.94% | 7.98% | 7.94% | 7.92% | 10.85% | +291 bps | |
| Total Risk-Based Capital | 12.21% | 13.35% | 12.62% | 14.65% | 14.52% | 15.10% | 14.98% | 19.63% | +497 bps | |
| Equity / Assets | 6.18% | 6.84% | 6.91% | 6.92% | 7.62% | 7.36% | 7.45% | 13.40% | +648 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.48% | 87.85% | 86.87% | 81.87% | 83.57% | 81.28% | 78.35% | 74.61% | -726 bps | |
| Liquid Assets / Assets | 7.86% | 5.81% | 6.20% | 9.53% | 8.06% | 11.13% | 12.66% | 12.16% | +263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |