Centralia, KS · Cert 4636 · First Centralia Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #102 of 114 inst. · $0.0B of $99.1B
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 | 1.10% | 1.15% | 1.20% | 1.22% | 1.24% | +14 bps | |
| Return on Equity | 17.95% | 18.14% | 18.62% | 17.83% | 18.00% | +5 bps | |
| Net Interest Margin | 3.10% | 3.02% | 3.01% | 3.18% | 3.12% | +1 bps | |
| Efficiency Ratio | 60.13% | 58.98% | 57.54% | 54.33% | 54.36% | -577 bps | |
| Non-Interest Burden | 1.77% | 1.69% | 1.63% | 1.63% | 1.60% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.59% | 7.69% | 10.86% | 14.89% | 14.03% | +444 bps | |
| Loan Growth (YoY) | 6.73% | 19.03% | 28.32% | 19.71% | 22.18% | +1,545 bps | |
| Deposit Growth (YoY) | 8.82% | 7.52% | 9.38% | 13.37% | 13.30% | +447 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.42% | 0.23% | 0.07% | 0.00% | -50 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.00% | -0.01% | +1 bps | |
| Allowance / Loans | 0.94% | 0.85% | 0.78% | 0.81% | 0.80% | -14 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.0x | 3.4x | 11.2x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 9.30% | 9.28% | 9.23% | 9.05% | -62 bps | |
| Total Risk-Based Capital | 9.67% | 9.30% | 9.28% | 9.23% | 9.05% | -62 bps | |
| Equity / Assets | 6.52% | 6.91% | 6.91% | 6.72% | 7.01% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.97% | 68.49% | 70.31% | 68.53% | 70.06% | +509 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.36% | 0.36% | 0.36% | +34 bps | |
| CRE / Total Capital | n/a | 193.68% | 201% | 185.12% | n/a | n/a | |