Topeka, KS · Cert 34930
FDIC · 2 branches
Q3 2024
Market Position · Topeka, KS · 2024 SOD (annual) · 2.2% share · #9 of 32 inst. · $0.1B of $5.9B
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.26% | 1.24% | 1.24% | 1.27% | 1.13% | 1.20% | 1.29% | +6 bps | |
| Return on Equity | 11.57% | 13.89% | 12.87% | 12.30% | 12.26% | 9.73% | 10.26% | 10.88% | -142 bps | |
| Net Interest Margin | 3.27% | 3.74% | 4.02% | 4.21% | 4.10% | 3.75% | 3.85% | 3.96% | -25 bps | |
| Efficiency Ratio | 59.05% | 54.12% | 54.29% | 55.26% | 56.78% | 60.60% | 59.49% | 57.37% | +211 bps | |
| Non-Interest Burden | 1.85% | 1.93% | 2.07% | 2.22% | 2.23% | 2.20% | 2.20% | 2.18% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.87% | 14.07% | 2.58% | -6.08% | -16.99% | -8.42% | 3.54% | 2.27% | +835 bps | |
| Loan Growth (YoY) | 11.42% | 10.21% | 5.84% | 7.24% | 9.85% | 9.78% | 7.23% | 0.37% | -686 bps | |
| Deposit Growth (YoY) | 16.89% | 14.37% | 0.94% | -8.60% | -18.97% | -10.99% | 1.47% | 0.18% | +879 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.23% | 0.25% | 0.24% | 0.27% | 0.27% | 0.36% | 0.09% | -15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.66% | 1.64% | 1.70% | 1.64% | 1.65% | 1.62% | 1.63% | 1.67% | +4 bps | |
| Allowance Coverage of NPLs | 8.0x | 7.1x | 6.7x | 6.8x | 6.0x | 6.1x | 4.5x | 18.5x | +11.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 9.69% | 10.85% | 11.89% | 12.01% | 11.90% | 12.00% | 12.37% | +49 bps | |
| Total Risk-Based Capital | 9.78% | 9.69% | 10.85% | 11.89% | 12.01% | 11.90% | 12.00% | 12.37% | +49 bps | |
| Equity / Assets | 8.75% | 9.40% | 10.93% | 11.45% | 11.90% | 11.37% | 11.72% | 12.52% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.64% | 65.69% | 77.61% | 83.96% | 83.56% | 81.02% | 82.02% | 84.12% | +16 bps | |
| Liquid Assets / Assets | 5.35% | 6.04% | 6.27% | 6.05% | 5.56% | 5.00% | 4.59% | 4.01% | -205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |