Atchison, KS · Cert 4619 · Exchange Bankshares Corp. of KS
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #57 of 114 inst. · $0.2B of $99.1B
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 | 1.59% | 1.15% | 1.52% | 1.73% | 1.79% | 1.28% | 1.64% | 1.76% | +3 bps | |
| Return on Equity | 14.06% | 10.23% | 13.58% | 14.84% | 14.58% | 10.45% | 13.46% | 14.07% | -77 bps | |
| Net Interest Margin | 3.74% | 3.83% | 3.72% | 3.87% | 3.97% | 4.01% | 3.86% | 3.97% | +10 bps | |
| Efficiency Ratio | 53.37% | 66.29% | 52.25% | 48.50% | 49.42% | 63.55% | 50.46% | 48.49% | 0 bps | |
| Non-Interest Burden | 1.78% | 2.37% | 1.75% | 1.67% | 1.74% | 2.39% | 1.74% | 1.72% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.64% | 2.13% | 6.24% | 7.50% | 5.31% | 6.66% | 4.32% | 5.27% | -223 bps | |
| Loan Growth (YoY) | 0.67% | 1.95% | 0.63% | 1.20% | -1.25% | -3.70% | -4.71% | -6.47% | -768 bps | |
| Deposit Growth (YoY) | -1.09% | 1.31% | 5.61% | 6.35% | 4.21% | 4.68% | 3.21% | 4.45% | -190 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.21% | 0.06% | 0.05% | 0.06% | 0.07% | 0.23% | +17 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.09% | 0.03% | 0.04% | 0.02% | 0.02% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.39% | 1.36% | 1.37% | 1.40% | 1.44% | 1.44% | +8 bps | |
| Allowance Coverage of NPLs | 20.3x | 23.3x | 6.6x | 22.0x | 27.7x | 24.9x | 19.6x | 6.2x | -15.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.26% | 12.14% | 11.97% | 12.12% | 12.80% | 12.64% | 12.69% | 12.97% | +85 bps | |
| Total Risk-Based Capital | 12.26% | 12.14% | 11.97% | 12.12% | 12.80% | 12.64% | 12.69% | 12.97% | +85 bps | |
| Equity / Assets | 11.57% | 11.02% | 11.34% | 11.96% | 12.54% | 12.03% | 12.29% | 12.71% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.70% | 75.58% | 73.11% | 75.65% | 75.53% | 69.53% | 67.50% | 67.74% | -791 bps | |
| Liquid Assets / Assets | 5.69% | 9.32% | 9.92% | 8.05% | 8.01% | 13.82% | 12.99% | 10.84% | +279 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 104.23% | 94.50% | 86.56% | n/a | n/a | |