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 (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 | 1.88% | 2.51% | 1.37% | 2.26% | 2.12% | 2.12% | 1.38% | 1.84% | -42 bps | |
| Return on Equity | 11.10% | 15.12% | 8.60% | 13.90% | 12.88% | 12.98% | 8.40% | 11.14% | -276 bps | |
| Net Interest Margin | 3.63% | 3.52% | 3.40% | 3.42% | 3.55% | 3.34% | 3.44% | 3.39% | -3 bps | |
| Efficiency Ratio | 76.06% | 70.69% | 80.82% | 71.97% | 73.23% | 73.72% | 82.02% | 77.21% | +524 bps | |
| Non-Interest Burden | 1.12% | 0.18% | 1.63% | 0.42% | 0.71% | 0.69% | 1.59% | 1.02% | +60 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 | 0.07% | 0.06% | 0.09% | 0.09% | 0.06% | 0.05% | 0.03% | 0.04% | -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 | |