Lawrence, KS · Cert 35292 · First Financial Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Lawrence, KS · 2026 SOD (annual) · 7.4% share · #6 of 22 inst. · $0.3B of $3.6B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.13% | 2.10% | 2.08% | 2.15% | 2.41% | +29 bps | |
| Return on Equity | 16.92% | 16.48% | 16.12% | 16.17% | 17.98% | +106 bps | |
| Net Interest Margin | 4.41% | 4.35% | 4.47% | 4.63% | 4.86% | +45 bps | |
| Efficiency Ratio | 41.88% | 41.48% | 42.23% | 41.55% | 39.16% | -272 bps | |
| Non-Interest Burden | 1.52% | 1.53% | 1.63% | 1.73% | 1.65% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.51% | 6.85% | 1.71% | 1.75% | 1.14% | -1,637 bps | |
| Loan Growth (YoY) | 10.24% | 0.37% | 3.57% | 6.50% | 5.34% | -489 bps | |
| Deposit Growth (YoY) | 24.39% | 7.32% | 1.49% | 1.73% | 0.79% | -2,360 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.87% | 0.91% | 0.95% | 0.91% | 0.92% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.17% | 10.51% | 10.55% | 10.52% | 10.97% | +80 bps | |
| Total Risk-Based Capital | 10.17% | 10.51% | 10.55% | 10.52% | 10.97% | +80 bps | |
| Equity / Assets | 12.70% | 13.36% | 13.54% | 13.06% | 13.63% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.10% | 94.62% | 98.27% | 100.38% | 102.53% | +443 bps | |
| Liquid Assets / Assets | 2.97% | 2.96% | 2.99% | 2.91% | 2.83% | -14 bps | |
| CRE / Total Capital | n/a | 404% | 403% | 417% | n/a | n/a | |