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 (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 | 0.46% | 0.66% | 0.77% | 1.03% | 1.15% | 1.46% | 1.34% | 1.53% | +50 bps | |
| Return on Equity | 5.89% | 7.74% | 8.65% | 11.06% | 11.64% | 14.38% | 13.33% | 15.42% | +436 bps | |
| Net Interest Margin | 2.11% | 2.36% | 2.76% | 2.89% | 3.10% | 3.49% | 3.51% | 3.78% | +89 bps | |
| Efficiency Ratio | 75.44% | 69.84% | 67.88% | 59.91% | 58.27% | 52.29% | 54.67% | 49.02% | -1,089 bps | |
| Non-Interest Burden | 1.49% | 1.51% | 1.75% | 1.56% | 1.63% | 1.62% | 1.73% | 1.65% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | -5.95% | -8.15% | -3.60% | -4.31% | 5.96% | 7.74% | 12.18% | +1,578 bps | |
| Loan Growth (YoY) | 6.75% | 7.52% | 13.56% | 13.28% | 17.21% | 23.98% | 18.82% | 18.78% | +550 bps | |
| Deposit Growth (YoY) | -1.81% | 4.12% | 1.22% | 3.70% | 2.42% | 5.84% | 6.70% | 17.08% | +1,337 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | -23 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.24% | 0.00% | -0.01% | 0.00% | 0.00% | -24 bps | |
| Allowance / Loans | 1.35% | 1.35% | 1.34% | 1.22% | 1.17% | 1.13% | 1.19% | 1.20% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 5.4x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.35% | 10.51% | 11.01% | 10.90% | 11.27% | 10.87% | 11.16% | 10.88% | -2 bps | |
| Total Risk-Based Capital | 10.35% | 10.51% | 11.01% | 10.90% | 11.27% | 10.87% | 11.16% | 10.88% | -2 bps | |
| Equity / Assets | 8.34% | 8.73% | 9.14% | 9.54% | 10.22% | 10.15% | 10.02% | 9.86% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.18% | 67.55% | 66.85% | 74.05% | 78.03% | 79.13% | 74.45% | 75.12% | +108 bps | |
| Liquid Assets / Assets | 0.99% | 1.00% | 0.76% | 0.74% | 0.59% | 1.34% | 1.12% | 1.29% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.75% | 127.16% | 123.89% | n/a | n/a | |