Louisburg, KS · Cert 4722
National charter · OCC · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #56 of 114 inst. · $0.2B of $99.1B
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 | 0.91% | 0.99% | 1.11% | 1.34% | 1.44% | +54 bps | |
| Return on Equity | 9.92% | 10.49% | 11.61% | 13.33% | 14.42% | +449 bps | |
| Net Interest Margin | 2.80% | 2.90% | 2.98% | 3.51% | 3.58% | +78 bps | |
| Efficiency Ratio | 63.75% | 61.80% | 59.05% | 54.67% | 51.70% | -1,205 bps | |
| Non-Interest Burden | 1.64% | 1.64% | 1.59% | 1.73% | 1.66% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.60% | -4.31% | 5.96% | 7.74% | 12.18% | +1,578 bps | |
| Loan Growth (YoY) | 13.28% | 17.21% | 23.98% | 18.82% | 18.78% | +550 bps | |
| Deposit Growth (YoY) | 3.70% | 2.42% | 5.84% | 6.70% | 17.08% | +1,337 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | -23 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.08% | 0.05% | 0.00% | 0.00% | -12 bps | |
| Allowance / Loans | 1.22% | 1.17% | 1.13% | 1.19% | 1.20% | -3 bps | |
| Allowance Coverage of NPLs | 5.4x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.90% | 11.27% | 10.87% | 11.16% | 10.88% | -2 bps | |
| Total Risk-Based Capital | 10.90% | 11.27% | 10.87% | 11.16% | 10.88% | -2 bps | |
| Equity / Assets | 9.54% | 10.22% | 10.15% | 10.02% | 9.86% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.05% | 78.03% | 79.13% | 74.45% | 75.12% | +108 bps | |
| Liquid Assets / Assets | 0.74% | 0.59% | 1.34% | 1.12% | 1.29% | +55 bps | |
| CRE / Total Capital | n/a | 108.75% | 127.16% | 123.89% | n/a | n/a | |