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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 $0.7MQ3 2024Q2 2026
Deposit mix
56%Interest-bearing $22.5M44%Noninterest $18.0MQ3 2024Q2 2026

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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.68%0.74%1.06%0.55%0.83%0.88%1.25%+19 bps
Return on Equity8.90%9.15%10.96%15.02%6.96%9.32%9.72%14.17%-85 bps
Net Interest Margin3.48%3.61%3.75%3.94%3.99%3.87%3.59%3.91%-3 bps
Efficiency Ratio73.31%70.31%65.36%62.96%60.65%73.67%67.15%61.66%-131 bps
Non-Interest Burden2.50%2.50%2.41%2.42%2.36%2.82%2.37%2.37%-5 bps
Growth
Asset Growth (YoY)6.27%8.09%7.86%7.92%6.05%-1.29%2.92%5.59%-233 bps
Loan Growth (YoY)16.71%1.52%2.71%5.25%2.61%4.09%3.91%4.41%-84 bps
Deposit Growth (YoY)2.31%11.62%8.37%9.44%8.04%-4.55%0.89%3.88%-556 bps
Asset Quality
Nonperforming Loans / Loans2.47%2.42%4.61%4.63%4.16%4.13%3.65%3.54%-108 bps
Net Charge-Offs / Loans0.00%0.57%0.00%0.00%0.00%0.00%0.07%0.00%0 bps
Allowance / Loans1.23%1.33%1.55%1.52%1.99%2.09%2.02%1.90%+39 bps
Allowance Coverage of NPLs0.5x0.6x0.3x0.3x0.5x0.5x0.6x0.5x+0.2x
Capital
Tier 1 Leverage Ratio12.85%12.20%12.11%12.44%12.51%12.54%11.94%12.04%-40 bps
Total Risk-Based Capital12.85%12.20%12.11%12.44%12.51%12.54%11.94%12.04%-40 bps
Equity / Assets8.26%6.60%6.95%7.22%8.59%9.25%8.81%8.87%+165 bps
Liquidity & Funding
Loans / Deposits48.46%42.04%41.48%44.99%46.02%45.84%42.72%45.22%+23 bps
Liquid Assets / Assets3.61%3.15%2.44%2.48%2.47%1.48%1.81%1.85%-63 bps
CRE / Total Capitaln/an/an/an/a12.94%12.68%14.59%n/an/a