Stafford, KS · Cert 4775
FDIC · 4 branches
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.47% | 0.56% | 0.68% | -0.10% | -51 bps | |
| Return on Equity | 5.17% | 5.90% | 6.86% | 7.99% | -1.18% | -635 bps | |
| Net Interest Margin | 2.76% | 2.74% | 2.84% | 3.18% | 3.24% | +48 bps | |
| Efficiency Ratio | 82.83% | 81.44% | 79.33% | 83.74% | 104.21% | +2,138 bps | |
| Non-Interest Burden | 2.24% | 2.18% | 2.19% | 2.36% | 3.41% | +117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.61% | 10.41% | 6.82% | 3.04% | 1.61% | -500 bps | |
| Loan Growth (YoY) | 6.77% | 8.37% | 10.80% | 11.21% | 6.94% | +17 bps | |
| Deposit Growth (YoY) | 5.83% | 9.26% | 10.55% | 1.73% | 2.56% | -328 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.00% | 0.98% | 0.98% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 9.0x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.21% | 9.00% | 9.31% | 9.14% | 8.79% | -43 bps | |
| Total Risk-Based Capital | 9.21% | 9.00% | 9.31% | 9.14% | 12.60% | +338 bps | |
| Equity / Assets | 7.82% | 8.37% | 8.59% | 8.41% | 8.41% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.41% | 63.42% | 69.86% | 67.53% | 67.16% | +275 bps | |
| Liquid Assets / Assets | 0.13% | 0.05% | 0.03% | 0.01% | 0.64% | +51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |