Harveyville, KS · Cert 4683 · Vista Holding Co.
National charter · OCC · 1 branch
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 0.5% share · #26 of 30 inst. · $0.0B of $7.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.42% | -0.49% | -0.55% | -0.46% | -2 bps | |
| Return on Equity | -1.71% | -1.83% | -2.38% | -3.37% | -2.61% | -90 bps | |
| Net Interest Margin | 4.57% | 3.27% | 2.78% | 3.49% | 3.26% | -131 bps | |
| Efficiency Ratio | 107.01% | 109.39% | 113.81% | 125.65% | 122.02% | +1,502 bps | |
| Non-Interest Burden | 4.89% | 3.59% | 3.18% | 4.38% | 3.97% | -93 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 132.98% | 214% | 78.42% | 37.00% | 12.43% | -12,055 bps | |
| Loan Growth (YoY) | 208% | 248% | 63.17% | 62.78% | 44.17% | -16,351 bps | |
| Deposit Growth (YoY) | 98.42% | 190.47% | 107.34% | 53.76% | 17.61% | -8,081 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.09% | 0.25% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | 0.29% | 0.14% | +16 bps | |
| Allowance / Loans | 1.14% | 1.00% | 0.87% | 0.78% | 0.69% | -45 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 10.2x | 3.1x | 7.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 26.74% | 18.32% | 15.28% | 19.60% | 17.95% | -880 bps | |
| Total Risk-Based Capital | 35.99% | 18.32% | 15.28% | 19.60% | 17.95% | -1,804 bps | |
| Equity / Assets | 24.11% | 17.42% | 13.99% | 19.97% | 20.84% | -326 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.28% | 69.76% | 63.27% | 100.98% | 111.90% | +2,062 bps | |
| Liquid Assets / Assets | 10.09% | 3.42% | 2.78% | 6.89% | 8.47% | -162 bps | |
| CRE / Total Capital | n/a | 14.17% | 12.12% | 10.93% | n/a | n/a | |