Baxter Springs, KS · Cert 4624 · American Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Joplin, MO-KS · 2026 SOD (annual) · 3.1% share · #10 of 22 inst. · $0.2B of $4.9B
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 | 1.09% | 0.74% | 1.41% | 1.34% | 1.05% | 0.37% | 0.90% | 1.27% | -7 bps | |
| Return on Equity | 10.98% | 7.25% | 16.44% | 16.53% | 11.76% | 4.06% | 10.14% | 13.33% | -320 bps | |
| Net Interest Margin | 3.85% | 3.81% | 3.71% | 3.81% | 3.16% | 3.23% | 3.33% | 3.56% | -25 bps | |
| Efficiency Ratio | 66.51% | 76.02% | 54.61% | 54.68% | 61.72% | 83.08% | 65.42% | 57.58% | +291 bps | |
| Non-Interest Burden | 2.45% | 2.87% | 1.89% | 1.91% | 1.69% | 2.64% | 2.09% | 1.89% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.28% | 4.11% | 39.79% | 29.63% | 30.48% | 32.48% | -2.37% | -8.66% | -3,828 bps | |
| Loan Growth (YoY) | 4.00% | 8.44% | 9.43% | 22.08% | 28.53% | 21.44% | 15.67% | 15.08% | -700 bps | |
| Deposit Growth (YoY) | 5.93% | 3.29% | 42.49% | 30.45% | 31.99% | 33.33% | -3.90% | -10.37% | -4,083 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.85% | 1.73% | 1.62% | 1.54% | 1.52% | 1.55% | 1.57% | 1.51% | -3 bps | |
| Allowance Coverage of NPLs | 454.7x | n/a | n/a | n/a | 479.3x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.23% | 11.47% | 9.87% | 9.64% | 9.88% | 9.94% | 9.20% | 9.98% | +35 bps | |
| Total Risk-Based Capital | 11.23% | 11.47% | 9.87% | 9.64% | 9.88% | 9.94% | 9.20% | 9.98% | +35 bps | |
| Equity / Assets | 10.67% | 9.67% | 7.76% | 8.51% | 9.47% | 8.85% | 8.95% | 10.22% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.56% | 59.55% | 47.69% | 53.15% | 58.98% | 54.24% | 57.40% | 68.24% | +1,509 bps | |
| Liquid Assets / Assets | 9.69% | 7.89% | 32.07% | 23.35% | 19.52% | 20.40% | 20.80% | 9.16% | -1,419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 84.96% | 89.36% | 94.64% | n/a | n/a | |