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 | |