Leavenworth, KS · Cert 30150
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #62 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 | 0.09% | 0.12% | -0.08% | 0.06% | 0.12% | 0.17% | 0.22% | 0.19% | +13 bps | |
| Return on Equity | 0.46% | 0.65% | -0.45% | 0.32% | 0.65% | 0.91% | 1.13% | 1.00% | +68 bps | |
| Net Interest Margin | 2.36% | 2.39% | 2.53% | 2.55% | 2.55% | 2.57% | 2.70% | 2.73% | +19 bps | |
| Efficiency Ratio | 96.26% | 94.45% | 103.23% | 97.92% | 95.48% | 93.39% | 90.83% | 90.32% | -760 bps | |
| Non-Interest Burden | 2.24% | 2.22% | 2.59% | 2.46% | 2.39% | 2.35% | 2.40% | 2.40% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.68% | 1.87% | 2.07% | -1.37% | 1.55% | -0.17% | -0.53% | 1.87% | +324 bps | |
| Loan Growth (YoY) | 8.75% | 6.66% | 7.79% | 2.21% | 1.56% | 0.13% | 0.62% | 0.48% | -173 bps | |
| Deposit Growth (YoY) | 1.05% | -1.02% | 0.23% | -1.69% | 5.82% | 5.77% | 5.85% | 6.78% | +847 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.10% | 0.17% | 0.26% | 0.26% | 0.23% | 0.22% | 0.15% | -11 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 0.29% | 0.29% | 0.31% | 0.31% | 0.30% | 0.31% | 0.30% | 0.31% | 0 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.0x | 1.8x | 1.2x | 1.2x | 1.3x | 1.4x | 2.1x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.69% | 19.76% | 19.71% | 19.96% | 19.83% | 19.83% | 20.05% | 20.08% | +12 bps | |
| Total Risk-Based Capital | 19.69% | 19.76% | 19.71% | 19.96% | 19.83% | 19.83% | 20.05% | 20.08% | +12 bps | |
| Equity / Assets | 19.07% | 18.71% | 18.81% | 19.08% | 18.97% | 19.64% | 19.60% | 19.40% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.72% | 97.63% | 96.86% | 96.09% | 91.86% | 92.42% | 92.07% | 90.42% | -567 bps | |
| Liquid Assets / Assets | 0.87% | 0.98% | 1.52% | 1.57% | 4.54% | 3.24% | 3.04% | 4.71% | +313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.39% | 23.62% | 27.78% | n/a | n/a | |