Kansas City, KS · Cert 4705 · Valley View Bancshares Inc.
State charter, non-member · FDIC · 34 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 3.2% share · #5 of 114 inst. · $3.2B 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 | 1.26% | 1.46% | 1.26% | 1.31% | 1.41% | 1.51% | 1.39% | 1.72% | +42 bps | |
| Return on Equity | 12.76% | 14.03% | 12.05% | 11.93% | 12.49% | 13.11% | 12.05% | 14.90% | +297 bps | |
| Net Interest Margin | 2.88% | 2.88% | 2.80% | 2.90% | 3.01% | 3.03% | 2.97% | 3.02% | +12 bps | |
| Efficiency Ratio | 49.55% | 50.33% | 52.50% | 51.24% | 49.40% | 46.99% | 48.54% | 48.23% | -300 bps | |
| Non-Interest Burden | 1.15% | 1.16% | 1.20% | 1.22% | 1.20% | 1.09% | 1.10% | 1.15% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | -3.49% | -2.56% | -3.30% | 1.56% | 5.49% | 5.05% | 6.67% | +997 bps | |
| Loan Growth (YoY) | 3.87% | 0.07% | 0.89% | -1.59% | 6.09% | 7.26% | 6.67% | 5.23% | +682 bps | |
| Deposit Growth (YoY) | 1.50% | 2.55% | 4.16% | 3.92% | 4.30% | 8.16% | 6.91% | 7.18% | +326 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.03% | +2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.03% | -3 bps | |
| Allowance / Loans | 1.62% | 1.62% | 1.57% | 1.58% | 1.53% | 1.51% | 1.51% | 1.58% | 0 bps | |
| Allowance Coverage of NPLs | 92.2x | 190.1x | 202.3x | 217.8x | 258.9x | 444.9x | 437.1x | 62.6x | -155.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.09% | 12.47% | 12.74% | 12.75% | 12.87% | 12.68% | 12.80% | 12.77% | +2 bps | |
| Total Risk-Based Capital | 12.09% | 12.47% | 12.74% | 12.75% | 12.87% | 12.68% | 12.80% | 12.77% | +2 bps | |
| Equity / Assets | 10.72% | 10.06% | 10.80% | 11.08% | 11.55% | 11.51% | 11.59% | 11.51% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.19% | 67.57% | 67.68% | 67.23% | 67.32% | 67.00% | 67.53% | 66.01% | -122 bps | |
| Liquid Assets / Assets | 1.50% | 1.22% | 1.55% | 1.09% | 1.38% | 2.56% | 1.77% | 2.77% | +167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | 369% | 362% | n/a | n/a | |