Manhattan, KS · Cert 35585 · Ttac Corp.
National charter · OCC · 2 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 7.2% share · #4 of 22 inst. · $0.3B of $4.5B
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 | 1.80% | 1.64% | 1.49% | 1.86% | 1.81% | 1.65% | 1.70% | 2.07% | +20 bps | |
| Return on Equity | 17.37% | 15.38% | 13.92% | 17.81% | 17.21% | 15.23% | 15.70% | 19.28% | +147 bps | |
| Net Interest Margin | 3.71% | 3.72% | 3.58% | 3.61% | 3.77% | 3.77% | 3.87% | 3.81% | +20 bps | |
| Efficiency Ratio | 61.30% | 62.13% | 64.78% | 61.83% | 62.57% | 65.52% | 63.42% | 62.68% | +85 bps | |
| Non-Interest Burden | 1.45% | 1.53% | 1.74% | 1.38% | 1.53% | 1.77% | 1.80% | 1.53% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.90% | 7.39% | 8.66% | 6.00% | 4.13% | 6.14% | 4.13% | 4.99% | -101 bps | |
| Loan Growth (YoY) | 10.45% | 6.32% | 8.09% | -0.62% | 1.32% | 4.16% | 5.15% | 5.95% | +657 bps | |
| Deposit Growth (YoY) | 10.24% | 7.68% | 8.61% | 5.86% | 4.24% | 6.10% | 3.73% | 4.43% | -143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.59% | 1.52% | 1.49% | 1.51% | 1.48% | 1.62% | 0.13% | 0.20% | -131 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.11% | 0.00% | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.70% | 1.70% | 1.69% | 1.73% | 1.72% | 1.69% | 1.66% | 1.70% | -3 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.1x | 1.2x | 1.2x | 1.0x | 13.2x | 8.7x | +7.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.74% | 10.72% | 10.48% | 10.67% | 10.90% | 10.64% | 10.94% | +46 bps | |
| Total Risk-Based Capital | 10.59% | 10.74% | 10.72% | 10.48% | 10.67% | 10.90% | 13.63% | 14.34% | +386 bps | |
| Equity / Assets | 10.41% | 10.93% | 10.45% | 10.45% | 10.58% | 11.04% | 10.58% | 10.85% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.27% | 92.70% | 90.89% | 88.34% | 87.75% | 91.00% | 92.13% | 89.62% | +128 bps | |
| Liquid Assets / Assets | 15.36% | 13.88% | 15.45% | 17.68% | 17.87% | 15.98% | 13.83% | 17.36% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 322% | 318% | 322% | n/a | n/a | |