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 | |