Eureka, KS · Cert 4664 · Greenwood Cnty Finl Services
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.4% share · #34 of 46 inst. · $0.1B of $23.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.49% | 0.94% | 1.80% | 1.75% | +37 bps | |
| Return on Equity | 17.78% | 18.82% | 12.04% | 22.56% | 20.99% | +321 bps | |
| Net Interest Margin | 3.68% | 3.64% | 3.63% | 4.10% | 4.12% | +44 bps | |
| Efficiency Ratio | 60.27% | 58.49% | 69.51% | 51.94% | 51.44% | -883 bps | |
| Non-Interest Burden | 1.89% | 1.71% | 2.33% | 1.83% | 1.76% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.15% | 10.06% | 11.46% | 2.10% | 6.25% | +410 bps | |
| Loan Growth (YoY) | -0.43% | -3.26% | -1.49% | 2.82% | 8.95% | +937 bps | |
| Deposit Growth (YoY) | 1.32% | 10.03% | 11.77% | 1.62% | 5.86% | +454 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.22% | 0.02% | 0.01% | 0.63% | +43 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.65% | 0.00% | -0.44% | -46 bps | |
| Allowance / Loans | 1.16% | 1.23% | 1.11% | 1.03% | 1.14% | -2 bps | |
| Allowance Coverage of NPLs | 5.5x | 5.6x | 48.4x | 71.9x | 1.8x | -3.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.93% | 8.12% | 7.65% | 8.02% | 8.28% | +35 bps | |
| Total Risk-Based Capital | 11.98% | 12.67% | 12.41% | 12.16% | 12.36% | +38 bps | |
| Equity / Assets | 7.96% | 7.86% | 7.70% | 8.25% | 8.39% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.98% | 81.38% | 79.60% | 89.01% | 92.60% | +262 bps | |
| Liquid Assets / Assets | 7.41% | 9.67% | 15.94% | 8.92% | 6.38% | -103 bps | |
| CRE / Total Capital | n/a | 246% | 214% | 246% | n/a | n/a | |