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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 1.08%, up 17 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 3.54% of loans (-108 bps YoY), with net charge-offs at 0.03%.
  • 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 (YTD, annualized)

1.08%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-13 bps YoY

Efficiency Ratio (YTD, annualized)

64.26%+14 bps YoY

Tier 1 Leverage Ratio

12.04%-40 bps YoY

NIM

4.59%Q2 ’244.81%Q2 ’254.51%Q2 ’26+7%-3%

Non-interest income vs. expense

2.62%Q2 ’242.55%Q2 ’252.46%Q2 ’26-2%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.78%0.74%0.91%0.79%0.80%0.88%1.08%+17 bps
Return on Equity11.30%11.02%10.96%13.12%10.74%10.42%9.72%11.99%-113 bps
Net Interest Margin3.53%3.43%3.75%3.84%3.91%3.92%3.59%3.71%-13 bps
Efficiency Ratio70.66%70.57%65.36%64.12%62.94%65.58%67.15%64.26%+14 bps
Non-Interest Burden2.45%2.38%2.41%2.41%2.41%2.52%2.37%2.34%-7 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%0.14%0.00%0.00%0.00%0.00%0.07%0.03%+3 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