Spearville, KS · Cert 4774 · Spearville Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
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 | 1.10% | 1.34% | 1.22% | 1.45% | 1.39% | +29 bps | |
| Return on Equity | 9.11% | 10.62% | 10.40% | 13.27% | 12.01% | +290 bps | |
| Net Interest Margin | 3.24% | 3.34% | 2.92% | 3.58% | 3.54% | +30 bps | |
| Efficiency Ratio | 49.63% | 45.53% | 48.34% | 42.11% | 44.10% | -553 bps | |
| Non-Interest Burden | 1.47% | 1.27% | 1.20% | 1.26% | 1.39% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | -0.44% | 9.28% | 2.52% | 12.63% | +885 bps | |
| Loan Growth (YoY) | -3.60% | 11.39% | 13.95% | 9.05% | 11.74% | +1,534 bps | |
| Deposit Growth (YoY) | 3.77% | -1.29% | 9.83% | 4.96% | 14.17% | +1,040 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.44% | 0.21% | 0.00% | 4.06% | +379 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.19% | -0.01% | 0.07% | +7 bps | |
| Allowance / Loans | 1.74% | 1.58% | 1.50% | 1.63% | 1.55% | -19 bps | |
| Allowance Coverage of NPLs | 6.5x | 3.6x | 7.3x | n/a | 0.4x | -6.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.64% | 13.10% | 10.31% | 11.35% | 11.80% | -83 bps | |
| Total Risk-Based Capital | 12.64% | 13.10% | 10.31% | 11.35% | 11.80% | -83 bps | |
| Equity / Assets | 14.29% | 14.46% | 9.15% | 13.56% | 13.11% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.99% | 65.44% | 43.61% | 62.28% | 59.70% | -130 bps | |
| Liquid Assets / Assets | 27.46% | 27.31% | 17.07% | 24.48% | 23.84% | -362 bps | |
| CRE / Total Capital | n/a | 67.10% | 69.03% | 64.97% | n/a | n/a | |