Scott City, KS · Cert 4769 · Hoeme Family Partnership
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.69% | 0.94% | 1.81% | 1.53% | +7 bps | |
| Return on Equity | 12.23% | 13.81% | 7.49% | 14.32% | 11.94% | -29 bps | |
| Net Interest Margin | 4.06% | 4.18% | 4.17% | 4.17% | 4.27% | +20 bps | |
| Efficiency Ratio | 46.91% | 45.60% | 47.24% | 45.83% | 50.49% | +358 bps | |
| Non-Interest Burden | 1.75% | 1.74% | 1.75% | 1.80% | 2.01% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 5.60% | 5.02% | 7.55% | 4.61% | -19 bps | |
| Loan Growth (YoY) | 11.11% | 12.94% | 10.62% | 10.34% | 11.12% | +1 bps | |
| Deposit Growth (YoY) | 8.29% | 6.52% | 4.77% | 9.26% | -2.14% | -1,043 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.67% | 0.47% | 0.40% | 0.33% | -17 bps | |
| Net Charge-Offs / Loans | 0.38% | 0.11% | 1.31% | -0.05% | 0.32% | -6 bps | |
| Allowance / Loans | 1.16% | 1.21% | 1.19% | 1.23% | 1.15% | 0 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.8x | 2.6x | 3.1x | 3.5x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.73% | 13.97% | 13.94% | 14.05% | 14.48% | +75 bps | |
| Total Risk-Based Capital | 13.73% | 13.97% | 13.94% | 14.05% | 14.48% | +75 bps | |
| Equity / Assets | 11.95% | 12.51% | 12.67% | 12.66% | 12.90% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.46% | 83.78% | 81.44% | 81.07% | 91.36% | +1,090 bps | |
| Liquid Assets / Assets | 1.17% | 1.03% | 1.03% | 1.79% | 0.82% | -34 bps | |
| CRE / Total Capital | n/a | 56.50% | 78.12% | 76.06% | n/a | n/a | |