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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.08% | 1.09% | 1.38% | 1.49% | 0.94% | 1.80% | 1.75% | +37 bps | |
| Return on Equity | 17.76% | 13.74% | 14.21% | 17.78% | 18.82% | 12.04% | 22.56% | 20.99% | +321 bps | |
| Net Interest Margin | 3.72% | 3.79% | 3.58% | 3.68% | 3.64% | 3.63% | 4.10% | 4.12% | +44 bps | |
| Efficiency Ratio | 57.78% | 67.33% | 64.09% | 60.27% | 58.49% | 69.51% | 51.94% | 51.44% | -883 bps | |
| Non-Interest Burden | 1.81% | 2.32% | 2.17% | 1.89% | 1.71% | 2.33% | 1.83% | 1.76% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.85% | 6.45% | 12.04% | 2.15% | 10.06% | 11.46% | 2.10% | 6.25% | +410 bps | |
| Loan Growth (YoY) | 5.66% | 2.49% | 3.37% | -0.43% | -3.26% | -1.49% | 2.82% | 8.95% | +937 bps | |
| Deposit Growth (YoY) | 9.81% | 7.04% | 17.49% | 1.32% | 10.03% | 11.77% | 1.62% | 5.86% | +454 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.27% | 0.21% | 0.22% | 0.02% | 0.01% | 0.63% | +43 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.11% | 0.00% | 0.02% | 0.00% | 0.65% | 0.00% | -0.44% | -46 bps | |
| Allowance / Loans | 1.17% | 1.19% | 1.15% | 1.16% | 1.23% | 1.11% | 1.03% | 1.14% | -2 bps | |
| Allowance Coverage of NPLs | 15.1x | 15.5x | 4.3x | 5.5x | 5.6x | 48.4x | 71.9x | 1.8x | -3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.75% | 7.86% | 7.75% | 7.93% | 8.12% | 7.65% | 8.02% | 8.28% | +35 bps | |
| Total Risk-Based Capital | 11.68% | 11.72% | 11.46% | 11.98% | 12.67% | 12.41% | 12.16% | 12.36% | +38 bps | |
| Equity / Assets | 7.90% | 7.85% | 7.51% | 7.96% | 7.86% | 7.70% | 8.25% | 8.39% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.56% | 90.32% | 87.97% | 89.98% | 81.38% | 79.60% | 89.01% | 92.60% | +262 bps | |
| Liquid Assets / Assets | 4.68% | 4.94% | 6.54% | 7.41% | 9.67% | 15.94% | 8.92% | 6.38% | -103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 246% | 214% | 246% | n/a | n/a | |