Branson, MO · Cert 35420 · Branson Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 1.32% | 1.40% | 1.45% | 1.45% | 1.45% | +13 bps | |
| Return on Equity | 14.69% | 15.52% | 16.09% | 16.21% | 16.14% | +146 bps | |
| Net Interest Margin | 3.99% | 4.01% | 4.01% | 4.30% | 4.31% | +32 bps | |
| Efficiency Ratio | 62.69% | 62.02% | 61.14% | 62.24% | 61.61% | -107 bps | |
| Non-Interest Burden | 2.21% | 2.19% | 2.16% | 2.33% | 2.31% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.78% | 5.00% | 10.69% | 8.81% | 7.76% | +98 bps | |
| Loan Growth (YoY) | 10.45% | 8.33% | 7.03% | 7.93% | 7.26% | -319 bps | |
| Deposit Growth (YoY) | 7.89% | 5.78% | 10.92% | 8.85% | 7.92% | +3 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 0.72% | 0.66% | 0.63% | 0.60% | -11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.18% | 1.16% | 1.19% | +5 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.8x | 1.8x | 2.0x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.13% | 9.10% | 9.06% | 9.17% | 9.20% | +7 bps | |
| Total Risk-Based Capital | 12.41% | 12.76% | 12.19% | 12.24% | 12.49% | +8 bps | |
| Equity / Assets | 8.98% | 9.07% | 8.92% | 9.00% | 9.07% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.87% | 96.06% | 93.60% | 95.87% | 96.28% | -59 bps | |
| Liquid Assets / Assets | 3.48% | 4.15% | 5.62% | 5.84% | 4.20% | +72 bps | |
| CRE / Total Capital | n/a | 428% | 417% | 420% | n/a | n/a | |