Leawood, KS · Cert 35014 · Ameri-National Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 1.0% share · #18 of 114 inst. · $1.0B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.22% | 4.42% | 1.37% | 3.16% | 1.85% | 2.16% | 1.38% | 2.32% | -83 bps | |
| Return on Equity | 12.75% | 26.55% | 8.60% | 19.01% | 10.88% | 13.08% | 8.40% | 13.83% | -518 bps | |
| Net Interest Margin | 3.47% | 3.38% | 3.40% | 3.53% | 3.79% | 3.56% | 3.44% | 3.44% | -9 bps | |
| Efficiency Ratio | 74.53% | 59.31% | 80.82% | 65.52% | 75.82% | 75.04% | 82.02% | 72.78% | +726 bps | |
| Non-Interest Burden | 0.60% | -2.57% | 1.63% | -0.73% | 1.28% | 0.78% | 1.59% | 0.50% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.04% | 3.27% | -5.21% | 2.64% | 2.64% | 9.91% | 8.26% | 8.22% | +558 bps | |
| Loan Growth (YoY) | 24.20% | 18.01% | 13.55% | 7.96% | 5.97% | 10.57% | 8.66% | 10.09% | +213 bps | |
| Deposit Growth (YoY) | -2.43% | 5.77% | -5.61% | 3.63% | 4.69% | 10.70% | 8.70% | 8.96% | +533 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.62% | 0.75% | 0.86% | 1.19% | 1.11% | 1.28% | 1.45% | +59 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.04% | 0.09% | 0.09% | 0.01% | 0.03% | 0.03% | 0.05% | -5 bps | |
| Allowance / Loans | 1.28% | 1.33% | 1.32% | 1.37% | 1.37% | 1.33% | 1.33% | 1.29% | -8 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.1x | 1.8x | 1.6x | 1.2x | 1.2x | 1.0x | 0.9x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.78% | 16.51% | 17.20% | 17.54% | 17.91% | 16.70% | 17.35% | 17.13% | -41 bps | |
| Total Risk-Based Capital | 25.33% | 23.72% | 24.03% | 24.65% | 24.40% | 23.55% | 23.61% | 23.30% | -135 bps | |
| Equity / Assets | 17.74% | 15.55% | 16.25% | 16.95% | 17.03% | 16.04% | 16.77% | 16.84% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.10% | 87.04% | 90.06% | 90.06% | 91.20% | 86.93% | 90.02% | 90.99% | +94 bps | |
| Liquid Assets / Assets | 7.89% | 10.47% | 8.93% | 8.70% | 7.61% | 9.92% | 6.57% | 5.15% | -355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.03% | 174.50% | 171.29% | n/a | n/a | |