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 (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 | 1.62% | 1.63% | 1.49% | 1.68% | 1.72% | 1.71% | 1.70% | 1.88% | +20 bps | |
| Return on Equity | 15.43% | 15.42% | 13.92% | 15.83% | 16.26% | 15.97% | 15.70% | 17.39% | +156 bps | |
| Net Interest Margin | 3.56% | 3.57% | 3.58% | 3.53% | 3.59% | 3.59% | 3.87% | 3.80% | +27 bps | |
| Efficiency Ratio | 63.86% | 63.40% | 64.78% | 63.20% | 62.97% | 63.64% | 63.42% | 63.04% | -16 bps | |
| Non-Interest Burden | 1.63% | 1.59% | 1.74% | 1.53% | 1.52% | 1.56% | 1.80% | 1.65% | +12 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 | 0.04% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | -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 | |