Kingman, KS · Cert 4707 · King Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Wichita, KS area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
68
Profitability
27
Liquidity
26
Efficiency
25
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kingman, KS · Cert 4707 · King Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 1.1% share · #14 of 46 inst. · $0.3B of $23.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.50% | 0.62% | 0.70% | 0.71% | 0.69% | 0.76% | 0.81% | +12 bps | |
| Return on Equity | 9.70% | 10.79% | 14.68% | 16.12% | 14.98% | 13.61% | 12.74% | 13.44% | -268 bps | |
| Net Interest Margin | 2.59% | 2.61% | 2.76% | 2.81% | 2.86% | 2.88% | 2.94% | 2.95% | +14 bps | |
| Efficiency Ratio | 82.61% | 81.31% | 77.36% | 75.24% | 75.05% | 75.77% | 72.63% | 71.48% | -375 bps | |
| Non-Interest Burden | 1.98% | 1.96% | 1.95% | 1.91% | 1.94% | 1.98% | 1.94% | 1.91% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | 0.80% | 3.19% | 2.73% | 3.12% | 7.69% | 6.52% | 6.94% | +421 bps | |
| Loan Growth (YoY) | -2.74% | 1.62% | 3.38% | 5.32% | 4.24% | 0.74% | -0.84% | -2.07% | -739 bps | |
| Deposit Growth (YoY) | 3.89% | 0.71% | 3.11% | 2.65% | 3.57% | 6.80% | 5.94% | 5.79% | +315 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.10% | 0.12% | 0.08% | 0.04% | 0.03% | 0.05% | 0.02% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | -0.01% | 0.01% | 0.01% | 0.00% | -0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.14% | 1.06% | 1.06% | 1.05% | 1.09% | 1.06% | 1.08% | 1.06% | +1 bps | |
| Allowance Coverage of NPLs | 8.5x | 10.6x | 8.9x | 13.4x | 24.2x | 31.2x | 22.7x | 50.8x | +37.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.77% | 8.59% | 8.69% | 8.86% | 8.84% | 8.61% | 8.53% | -16 bps | |
| Total Risk-Based Capital | 15.53% | 15.11% | 15.30% | 15.31% | 15.89% | 15.75% | 16.04% | 15.82% | +51 bps | |
| Equity / Assets | 5.79% | 4.06% | 4.43% | 4.47% | 6.02% | 6.40% | 5.60% | 6.16% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.09% | 53.78% | 51.09% | 51.80% | 51.42% | 50.74% | 47.82% | 47.95% | -385 bps | |
| Liquid Assets / Assets | 1.74% | 1.05% | 4.20% | 3.58% | 2.50% | 3.50% | 7.72% | 5.14% | +156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 149.55% | 148.82% | 145.44% | n/a | n/a | |
Kingman, KS · Cert 4707 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · King Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Return on Assets
0.80%
Rank 15 of 20
Net Interest Margin
2.95%
Rank 20 of 20
Efficiency Ratio
71.92%
Rank 16 of 20
Equity / Assets
6.16%
Rank 19 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.80% | 1.20% | 1.35% | Beats 25% | 15 / 20 | ||
| Return on Equity | 13.01% | 9.43% | 12.85% | 15.78% | Beats 55% | 9 / 20 | ||
| Net Interest Margin | 2.95% | 3.71% | 4.04% | 4.23% | Beats 0% | 20 / 20 | ||
| Efficiency Ratio | 71.92% | 59.34% | 65.86% | 71.92% | Beats 25% | 16 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.06% | 0.64% | 1.17% | Beats 85% | 4 / 20 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.02% | 0.09% | Beats 50% | 11 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.01% | 11.10% | 11.73% | 15.56% | Beats 65% | 7 / 20 | ||
| Total Risk-Based Capital Ratio | 15.82% | 11.80% | 12.57% | 16.49% | Beats 70% | 6 / 20 | ||
| Equity / Assets | 6.16% | 8.39% | 8.81% | 11.24% | Beats 5% | 19 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.95% | 62.67% | 77.26% | 93.25% | 20th pctl | 16 / 20 | ||
| Loans / Assets | 43.59% | 54.38% | 67.74% | 81.71% | 20th pctl | 16 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||