Fort Leavenworth, KS · Cert 4666 · Dickinson Financial Corp. II
National charter · OCC · 1 affiliate bank · 15 branches (95 in holding)
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.4% share · #28 of 114 inst. · $0.4B of $99.1B
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 | 1.66% | 1.36% | 1.31% | 1.35% | 1.50% | 1.69% | 1.74% | 1.66% | +31 bps | |
| Return on Equity | 13.28% | 10.85% | 10.49% | 10.51% | 11.31% | 13.02% | 13.84% | 13.00% | +249 bps | |
| Net Interest Margin | 3.64% | 3.62% | 3.63% | 3.63% | 3.85% | 3.90% | 3.83% | 3.88% | +25 bps | |
| Efficiency Ratio | 66.76% | 70.61% | 70.34% | 70.96% | 65.75% | 63.94% | 64.97% | 66.16% | -480 bps | |
| Non-Interest Burden | 1.26% | 1.58% | 1.58% | 1.58% | 1.37% | 1.28% | 1.25% | 1.43% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.71% | 5.36% | 4.40% | 4.63% | 4.59% | 2.30% | 1.47% | -0.28% | -491 bps | |
| Loan Growth (YoY) | 6.62% | 2.60% | 0.34% | -10.46% | -2.36% | -1.81% | -0.55% | -5.53% | +493 bps | |
| Deposit Growth (YoY) | 5.45% | 5.62% | 3.67% | 3.91% | 4.04% | 2.03% | 1.66% | -0.29% | -420 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.08% | 0.13% | 0.09% | 0.14% | 1.08% | 1.21% | +107 bps | |
| Net Charge-Offs / Loans | 0.32% | 0.38% | 0.42% | 0.42% | 0.48% | 0.48% | 0.16% | 0.66% | +24 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.47% | 1.47% | 1.46% | 1.51% | 1.60% | 1.62% | +14 bps | |
| Allowance Coverage of NPLs | 14.3x | 15.1x | 18.5x | 11.2x | 16.8x | 10.8x | 1.5x | 1.3x | -9.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.32% | 14.26% | 14.43% | 14.38% | 14.55% | 13.43% | 13.69% | 13.92% | -46 bps | |
| Total Risk-Based Capital | 22.75% | 24.03% | 25.18% | 25.56% | 24.64% | 23.68% | 24.29% | 25.86% | +30 bps | |
| Equity / Assets | 12.89% | 12.22% | 12.70% | 12.99% | 13.46% | 12.55% | 12.55% | 12.95% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.27% | 68.52% | 64.54% | 63.66% | 67.83% | 65.93% | 63.14% | 60.31% | -335 bps | |
| Liquid Assets / Assets | 1.87% | 11.66% | 9.73% | 9.47% | 5.33% | 10.54% | 7.60% | 7.41% | -207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 182.59% | 190.10% | 175.85% | n/a | n/a | |