Cimarron, KS · Cert 4638 · First National Agency Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.22% | 0.89% | 1.73% | 1.74% | +51 bps | |
| Return on Equity | 25.75% | 21.72% | 15.28% | 29.40% | 26.33% | +58 bps | |
| Net Interest Margin | 3.43% | 3.65% | 3.56% | 3.72% | 3.86% | +42 bps | |
| Efficiency Ratio | 66.32% | 65.65% | 69.57% | 58.27% | 55.63% | -1,069 bps | |
| Non-Interest Burden | 2.20% | 2.30% | 2.40% | 2.09% | 2.00% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.39% | 2.07% | 7.71% | 2.72% | 0.70% | -569 bps | |
| Loan Growth (YoY) | 6.85% | 3.11% | -6.05% | -5.38% | -1.37% | -823 bps | |
| Deposit Growth (YoY) | 4.33% | 1.58% | 5.91% | 1.33% | -0.75% | -508 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.94% | 0.13% | 0.29% | 0.11% | 0.25% | -169 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.10% | 1.07% | 1.05% | 1.04% | -14 bps | |
| Allowance Coverage of NPLs | 0.6x | 8.7x | 3.6x | 9.8x | 4.2x | +3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.74% | 9.01% | 8.75% | 8.93% | 9.60% | +86 bps | |
| Total Risk-Based Capital | 15.68% | 16.14% | 15.74% | 16.93% | 17.28% | +160 bps | |
| Equity / Assets | 4.92% | 6.31% | 5.36% | 6.48% | 6.71% | +179 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.34% | 56.65% | 47.48% | 51.91% | 54.00% | -34 bps | |
| Liquid Assets / Assets | 2.32% | 0.02% | 11.48% | 1.99% | 0.05% | -227 bps | |
| CRE / Total Capital | n/a | 63.53% | 70.57% | 74.80% | n/a | n/a | |