Independence, KS · Cert 4660 · FNB Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 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 KS (n=98). 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
100
Profitability
57
Liquidity
15
Efficiency
12
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.
Independence, KS · Cert 4660 · FNB Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Pueblo, CO · 2026 SOD (annual) · 3.2% share · #9 of 13 inst. · $0.1B of $2.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.50% | 1.44% | 1.53% | 1.53% | 1.46% | 1.14% | 1.10% | -43 bps | |
| Return on Equity | 15.48% | 14.90% | 14.12% | 14.96% | 14.83% | 14.03% | 10.75% | 10.25% | -471 bps | |
| Net Interest Margin | 4.72% | 4.71% | 4.61% | 4.74% | 4.76% | 4.84% | 4.80% | 4.84% | +10 bps | |
| Efficiency Ratio | 58.19% | 60.19% | 61.00% | 59.63% | 60.63% | 62.87% | 70.08% | 70.94% | +1,131 bps | |
| Non-Interest Burden | 2.62% | 2.71% | 2.70% | 2.70% | 2.76% | 2.93% | 3.29% | 3.36% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.51% | 2.68% | 0.78% | 5.22% | 5.33% | -0.10% | 1.31% | -2.01% | -723 bps | |
| Loan Growth (YoY) | -1.48% | 2.23% | 0.69% | 0.14% | 2.19% | -2.00% | -3.14% | -2.07% | -221 bps | |
| Deposit Growth (YoY) | -1.76% | -0.44% | 0.99% | 5.87% | 5.45% | 2.19% | 1.65% | -2.87% | -874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.93% | 0.96% | 0.98% | 1.00% | 1.02% | 1.05% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.12% | 10.06% | 10.11% | 9.98% | 10.13% | 10.12% | 10.48% | +37 bps | |
| Total Risk-Based Capital | 9.90% | 10.12% | 10.06% | 10.11% | 9.98% | 10.13% | 10.12% | 10.48% | +37 bps | |
| Equity / Assets | 10.40% | 10.14% | 10.31% | 10.25% | 10.48% | 10.72% | 10.54% | 11.00% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.33% | 92.67% | 91.51% | 87.42% | 88.51% | 88.87% | 87.20% | 88.14% | +72 bps | |
| Liquid Assets / Assets | 5.36% | 4.46% | 4.30% | 4.17% | 4.04% | 4.06% | 3.99% | 4.17% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 195.80% | 208% | n/a | n/a | |
Independence, KS · Cert 4660 · Peer group: banks under $1B in assets in KS (n=98) · FNB Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.11%
Rank 65 of 98
Net Interest Margin
4.84%
Rank 3 of 98
Efficiency Ratio
71.37%
Rank 87 of 98
Equity / Assets
11.00%
Rank 52 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 1.03% | 1.24% | 1.54% | Beats 34% | 65 / 98 | ||
| Return on Equity | 10.07% | 8.85% | 11.58% | 14.73% | Beats 40% | 59 / 98 | ||
| Net Interest Margin | 4.84% | 3.24% | 3.62% | 3.91% | Beats 97% | 3 / 98 | ||
| Efficiency Ratio | 71.37% | 51.87% | 58.88% | 64.74% | Beats 12% | 87 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.48% | 11.81% | 13.71% | 17.33% | Beats 13% | 85 / 98 | ||
| Total Risk-Based Capital Ratio | 10.48% | 11.81% | 14.13% | 17.45% | Beats 12% | 86 / 98 | ||
| Equity / Assets | 11.00% | 8.60% | 11.34% | 13.10% | Beats 47% | 52 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.14% | 57.09% | 69.84% | 82.47% | 85th pctl | 15 / 98 | ||
| Loans / Assets | 77.58% | 49.34% | 58.31% | 68.94% | 94th pctl | 6 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||