Liberal, KS · Cert 34666 · Light Bancshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.05% | 1.07% | 1.09% | 1.14% | 1.15% | 1.15% | 1.08% | 1.14% | 0 bps | |
| Return on Equity | 11.79% | 11.85% | 11.13% | 11.33% | 11.14% | 10.98% | 9.77% | 10.23% | -110 bps | |
| Net Interest Margin | 3.36% | 3.45% | 3.62% | 3.61% | 3.57% | 3.55% | 3.50% | 3.55% | -6 bps | |
| Efficiency Ratio | 66.24% | 65.56% | 65.25% | 64.19% | 64.33% | 64.36% | 65.37% | 64.50% | +31 bps | |
| Non-Interest Burden | 2.00% | 2.02% | 2.17% | 2.11% | 2.09% | 2.08% | 2.10% | 2.08% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 0.98% | -0.78% | 0.14% | 5.76% | 4.15% | 7.99% | 4.21% | +407 bps | |
| Loan Growth (YoY) | 7.55% | 9.86% | 7.64% | 2.92% | 3.26% | 3.49% | -3.33% | -3.22% | -614 bps | |
| Deposit Growth (YoY) | -0.78% | -0.03% | -2.60% | -0.55% | 4.91% | 2.03% | 7.07% | 3.28% | +382 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.51% | 0.40% | 0.38% | 0.11% | 0.16% | 0.09% | 0.04% | -34 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.04% | 0.03% | 0.14% | 0.10% | 0.09% | -0.01% | -5 bps | |
| Allowance / Loans | 1.70% | 1.67% | 1.64% | 1.60% | 1.52% | 1.47% | 1.53% | 1.53% | -7 bps | |
| Allowance Coverage of NPLs | 2.2x | 3.3x | 4.1x | 4.2x | 13.6x | 9.2x | 16.4x | 36.2x | +32.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.27% | 12.67% | 12.80% | 12.84% | 12.80% | 12.91% | 12.57% | 12.83% | -1 bps | |
| Total Risk-Based Capital | 19.38% | 19.88% | 19.83% | 19.94% | 21.11% | 21.14% | 22.36% | 21.88% | +194 bps | |
| Equity / Assets | 10.16% | 9.47% | 10.15% | 10.62% | 10.87% | 11.24% | 10.81% | 11.44% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.74% | 59.99% | 62.25% | 63.12% | 59.79% | 60.85% | 56.20% | 59.15% | -397 bps | |
| Liquid Assets / Assets | 2.38% | 5.23% | 3.60% | 3.48% | 5.35% | 3.73% | 9.87% | 4.64% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 222% | 216% | 192.37% | n/a | n/a | |