Conway Springs, KS · Cert 4649
State charter, non-member · 4 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Wichita, KS area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
53
Profitability
21
Liquidity
70
Efficiency
14
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Conway Springs, KS · Cert 4649
State charter, non-member · 4 branches
Q1 2026
Market Position · Wichita, KS · 2025 SOD (annual) · 0.4% share · #36 of 46 inst. · $0.1B of $22.3B
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.50% | 0.46% | 0.60% | 0.74% | 0.71% | 0.36% | 0.39% | -21 bps | |
| Return on Equity | 5.86% | 6.46% | 5.95% | 7.85% | 9.74% | 9.30% | 4.71% | 5.51% | -234 bps | |
| Net Interest Margin | 4.49% | 4.39% | 4.28% | 4.38% | 4.41% | 4.22% | 4.14% | 4.05% | -33 bps | |
| Efficiency Ratio | 80.79% | 80.82% | 82.46% | 78.49% | 77.18% | 76.82% | 78.34% | 80.73% | +224 bps | |
| Non-Interest Burden | 3.64% | 3.57% | 3.55% | 3.39% | 3.35% | 3.19% | 3.20% | 3.23% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.57% | 5.41% | 8.28% | 11.78% | 10.94% | 16.15% | 16.55% | 16.38% | +459 bps | |
| Loan Growth (YoY) | 8.09% | 15.77% | 16.09% | 15.17% | 14.93% | 12.33% | 11.18% | 10.25% | -492 bps | |
| Deposit Growth (YoY) | 10.64% | 12.27% | 19.20% | 21.00% | 14.46% | 21.01% | 19.75% | 18.81% | -219 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.44% | 4.37% | 3.87% | 1.02% | 1.31% | 2.91% | 3.93% | 5.35% | +432 bps | |
| Net Charge-Offs / Loans | 0.60% | 0.37% | 0.26% | 0.38% | 0.18% | 0.12% | 0.21% | -0.03% | -41 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.20% | 1.14% | 1.10% | 1.16% | 1.51% | 1.59% | +45 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 1.1x | 0.8x | 0.4x | 0.4x | 0.3x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.79% | 8.87% | 8.64% | 8.64% | 8.44% | 8.33% | 7.93% | 7.69% | -95 bps | |
| Total Risk-Based Capital | 14.31% | 14.54% | 14.13% | 13.89% | 13.39% | 13.51% | 12.72% | 12.28% | -161 bps | |
| Equity / Assets | 7.54% | 8.23% | 7.60% | 7.79% | 7.55% | 7.69% | 7.26% | 7.00% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.08% | 90.97% | 90.48% | 87.54% | 86.43% | 84.45% | 84.00% | 81.23% | -631 bps | |
| Liquid Assets / Assets | 2.29% | 1.99% | 3.29% | 3.41% | 3.12% | 3.08% | 2.96% | 2.99% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 257% | 266% | 236% | n/a | |
Conway Springs, KS · Cert 4649 · Peer group: banks under $1B in assets in the Wichita, KS area (n=21)
State charter, non-member · 4 branches
Q1 2026
Return on Assets
0.39%
Rank 20 of 21
Net Interest Margin
4.05%
Rank 11 of 21
Efficiency Ratio
81.41%
Rank 19 of 21
Equity / Assets
7.00%
Rank 18 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | 0.71% | 1.04% | 1.21% | Beats 5% | 20 / 21 | ||
| Return on Equity | 5.50% | 7.58% | 12.25% | 15.37% | Beats 10% | 19 / 21 | ||
| Net Interest Margin | 4.05% | 3.62% | 4.05% | 4.14% | Beats 48% | 11 / 21 | ||
| Efficiency Ratio | 81.41% | 59.59% | 67.04% | 73.08% | Beats 14% | 19 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.35% | 0.05% | 0.27% | 1.11% | Beats 5% | 21 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 10 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.02% | 11.04% | 11.51% | 15.15% | Beats 19% | 17 / 21 | ||
| Total Risk-Based Capital Ratio | 12.28% | 11.92% | 12.31% | 16.04% | Beats 38% | 13 / 21 | ||
| Equity / Assets | 7.00% | 7.88% | 8.44% | 9.76% | Beats 14% | 18 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.23% | 62.25% | 73.38% | 89.01% | 52nd pctl | 10 / 21 | ||
| Loans / Assets | 71.33% | 53.91% | 66.32% | 79.47% | 57th pctl | 9 / 21 | ||
| Brokered Deposits / Deposits | 4.27% | n/a | 0.31% | 4.27% | Beats 29% | 16 / 21 | ||