Overbrook, KS · Cert 4752 · Overbrook Bankshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.4% share · #37 of 46 inst. · $0.1B 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 | 0.40% | 0.41% | 0.46% | 0.45% | 0.65% | 0.59% | 0.64% | 2.31% | +186 bps | |
| Return on Equity | 4.53% | 4.70% | 5.13% | 5.07% | 7.16% | 6.59% | 7.67% | 26.71% | +2,163 bps | |
| Net Interest Margin | 3.57% | 3.51% | 3.73% | 3.73% | 4.00% | 3.89% | 4.01% | 2.61% | -112 bps | |
| Efficiency Ratio | 89.31% | 88.24% | 84.77% | 85.65% | 81.24% | 82.26% | 81.52% | 50.83% | -3,482 bps | |
| Non-Interest Burden | 3.13% | 3.04% | 3.09% | 3.12% | 3.16% | 3.11% | 3.18% | 0.54% | -257 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 6.28% | 10.23% | 8.60% | 6.03% | 11.25% | 16.36% | 126.51% | +11,790 bps | |
| Loan Growth (YoY) | 7.51% | 3.37% | 1.84% | -3.17% | -5.43% | 2.35% | -1.51% | 128.22% | +13,139 bps | |
| Deposit Growth (YoY) | -1.02% | -0.03% | 5.52% | 7.73% | 7.09% | 12.84% | 19.07% | 123.48% | +11,574 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.37% | 1.28% | 1.39% | 1.60% | 0.38% | 0.00% | 0.23% | 2.00% | +40 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.12% | 0.00% | 0.33% | +33 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.20% | 1.24% | 1.26% | 1.10% | 1.14% | 1.09% | -15 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.9x | 0.8x | 3.3x | 402.0x | 4.9x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.04% | 9.02% | 8.64% | 8.94% | 8.39% | 8.53% | 7.98% | -66 bps | |
| Total Risk-Based Capital | 13.07% | 12.99% | 13.17% | 13.31% | 13.70% | 12.58% | 12.94% | 12.27% | -104 bps | |
| Equity / Assets | 9.67% | 9.11% | 8.90% | 8.84% | 9.37% | 8.63% | 7.96% | 9.03% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.01% | 91.33% | 81.71% | 79.97% | 82.13% | 82.84% | 67.58% | 81.67% | +170 bps | |
| Liquid Assets / Assets | 4.46% | 4.66% | 3.46% | 3.72% | 2.73% | 2.33% | 1.29% | 1.54% | -218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 302% | 272% | n/a | n/a | |