Wichita, KS · Cert 35118 · Community State Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.5% share · #32 of 46 inst. · $0.1B of $23.2B
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 | 0.98% | 1.06% | 0.87% | 0.97% | 1.19% | 1.11% | 1.10% | 1.42% | +45 bps | |
| Return on Equity | 12.45% | 13.47% | 11.34% | 12.66% | 15.31% | 14.11% | 14.12% | 18.23% | +557 bps | |
| Net Interest Margin | 3.85% | 4.05% | 3.79% | 3.86% | 4.05% | 4.12% | 4.12% | 4.35% | +49 bps | |
| Efficiency Ratio | 68.15% | 67.69% | 73.66% | 68.96% | 63.69% | 68.07% | 65.82% | 57.47% | -1,149 bps | |
| Non-Interest Burden | 2.48% | 2.64% | 2.71% | 2.57% | 2.48% | 2.70% | 2.64% | 2.36% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | 2.07% | 4.82% | 6.13% | 11.56% | 12.83% | 10.56% | 10.10% | +397 bps | |
| Loan Growth (YoY) | -2.04% | -4.46% | -2.95% | 4.98% | 11.04% | 15.93% | 16.56% | 13.88% | +889 bps | |
| Deposit Growth (YoY) | 0.35% | 10.27% | 9.33% | 9.19% | 11.76% | 12.61% | 10.41% | 9.86% | +67 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.53% | 0.53% | 0.83% | 0.52% | 0.42% | 1.11% | 0.72% | -12 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.02% | -0.02% | -0.02% | -0.01% | 0.12% | 0.22% | +24 bps | |
| Allowance / Loans | 1.43% | 1.44% | 1.43% | 1.34% | 1.31% | 1.26% | 1.20% | 1.13% | -21 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.7x | 2.7x | 1.6x | 2.5x | 3.0x | 1.1x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 9.24% | 9.11% | 8.99% | 8.71% | 8.46% | 8.54% | 8.64% | -35 bps | |
| Total Risk-Based Capital | 13.29% | 9.24% | 9.11% | 8.99% | 8.71% | 12.28% | 12.31% | 12.19% | +320 bps | |
| Equity / Assets | 8.08% | 7.70% | 7.70% | 7.70% | 7.82% | 7.85% | 7.76% | 7.83% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.54% | 85.33% | 81.68% | 85.09% | 84.00% | 87.86% | 86.23% | 88.20% | +311 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.04% | 0.04% | 0.03% | 0.03% | 0.04% | 0.04% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 293% | 291% | 303% | n/a | n/a | |