PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ninnescah Valley Bank

Cunningham, KS · Cert 4652

State charter, non-member · FDIC · 1 branch

Q2 2026

$44.6MAssets
$18.3MLoans
$40.5MDeposits
$4.0MEquity
Loan mix
66%RE $7.6M29%C&I $3.3M6%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $22.5M44%Noninterest $18.0MQ2 2025Q2 2026

NIM

4.70%Q2 ’244.90%Q2 ’254.68%Q2 ’26+8%-1%

Non-interest income vs. expense

2.61%Q2 ’242.58%Q2 ’252.48%Q2 ’26-1%-2%

Executive Summary

  • Earnings: ROA of 1.25%, up 19 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 3.54% of loans (-108 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.04%, down 40 bps from a year ago.
  • Funding: loans stand at 45.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.25%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.91%-3 bps YoY

Efficiency Ratio (quarter, annualized)

61.66%-131 bps YoY

Tier 1 Leverage Ratio

12.04%-40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%0.55%0.83%0.88%1.25%+19 bps
Return on Equity15.02%6.96%9.32%9.72%14.17%-85 bps
Net Interest Margin3.94%3.99%3.87%3.59%3.91%-3 bps
Efficiency Ratio62.96%60.65%73.67%67.15%61.66%-131 bps
Non-Interest Burden2.42%2.36%2.82%2.37%2.37%-5 bps
Growth
Asset Growth (YoY)7.92%6.05%-1.29%2.92%5.59%-233 bps
Loan Growth (YoY)5.25%2.61%4.09%3.91%4.41%-84 bps
Deposit Growth (YoY)9.44%8.04%-4.55%0.89%3.88%-556 bps
Asset Quality
Nonperforming Loans / Loans4.63%4.16%4.13%3.65%3.54%-108 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.07%0.00%0 bps
Allowance / Loans1.52%1.99%2.09%2.02%1.90%+39 bps
Allowance Coverage of NPLs0.3x0.5x0.5x0.6x0.5x+0.2x
Capital
Tier 1 Leverage Ratio12.44%12.51%12.54%11.94%12.04%-40 bps
Total Risk-Based Capital12.44%12.51%12.54%11.94%12.04%-40 bps
Equity / Assets7.22%8.59%9.25%8.81%8.87%+165 bps
Liquidity & Funding
Loans / Deposits44.99%46.02%45.84%42.72%45.22%+23 bps
Liquid Assets / Assets2.48%2.47%1.48%1.81%1.85%-63 bps
CRE / Total Capitaln/a12.94%12.68%14.59%n/an/a