Wamego, KS · Cert 4791 · Wamego Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
65
Profitability
73
Liquidity
53
Efficiency
69
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wamego, KS · Cert 4791 · Wamego Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 9.0% share · #3 of 22 inst. · $0.4B of $4.5B
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 | 1.07% | 1.08% | 1.24% | 1.22% | 1.26% | 1.30% | 1.22% | 1.25% | +3 bps | |
| Return on Equity | 13.30% | 13.50% | 15.89% | 15.54% | 15.95% | 16.30% | 15.35% | 15.90% | +35 bps | |
| Net Interest Margin | 3.49% | 3.55% | 3.65% | 3.69% | 3.68% | 3.65% | 3.74% | 3.88% | +19 bps | |
| Efficiency Ratio | 64.48% | 64.20% | 59.68% | 60.51% | 60.14% | 60.04% | 61.65% | 61.14% | +62 bps | |
| Non-Interest Burden | 2.06% | 2.08% | 1.96% | 2.04% | 2.01% | 1.98% | 2.09% | 2.18% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.45% | 4.94% | 8.17% | 9.92% | 13.02% | 10.49% | 11.57% | 14.03% | +412 bps | |
| Loan Growth (YoY) | 0.07% | 4.26% | 8.35% | 10.81% | 18.25% | 14.19% | 8.58% | 13.72% | +292 bps | |
| Deposit Growth (YoY) | 7.51% | 6.57% | 1.84% | 9.31% | 12.06% | 11.68% | 17.77% | 11.24% | +193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.58% | 0.55% | 0.54% | 0.46% | 0.42% | 0.39% | 0.03% | -50 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.05% | 0.02% | 0.01% | 0.02% | -0.02% | 0.01% | -1 bps | |
| Allowance / Loans | 1.29% | 1.29% | 1.27% | 1.28% | 1.27% | 1.28% | 1.31% | 1.25% | -3 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.2x | 2.3x | 2.4x | 2.8x | 3.0x | 3.4x | 40.2x | +37.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 9.11% | 8.87% | 8.80% | 8.68% | 8.59% | 8.55% | 8.65% | -15 bps | |
| Total Risk-Based Capital | 12.29% | 11.80% | 11.55% | 11.50% | 11.57% | 11.49% | 11.71% | 11.22% | -28 bps | |
| Equity / Assets | 8.48% | 7.71% | 7.94% | 7.99% | 8.05% | 8.04% | 7.92% | 7.69% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.06% | 85.76% | 92.10% | 89.37% | 89.76% | 87.69% | 84.91% | 91.37% | +199 bps | |
| Liquid Assets / Assets | 0.90% | 0.47% | 1.05% | 0.85% | 0.46% | 4.61% | 5.48% | 1.48% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 283% | 275% | 229% | n/a | n/a | |
Wamego, KS · Cert 4791 · Peer group: banks under $1B in assets (n=581-629) · Wamego Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Return on Assets
1.21%
Rank 234 of 629
Net Interest Margin
3.88%
Rank 201 of 629
Efficiency Ratio
61.21%
Rank 195 of 629
Equity / Assets
7.69%
Rank 569 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 234 / 629 | ||
| Return on Equity | 15.72% | 5.38% | 9.30% | 13.28% | Beats 87% | 84 / 629 | ||
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 201 / 629 | ||
| Efficiency Ratio | 61.21% | 58.35% | 67.79% | 79.08% | Beats 69% | 195 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.46% | 1.20% | Beats 83% | 99 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 313 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.03% | 11.24% | 13.84% | 18.77% | Beats 12% | 555 / 629 | ||
| Total Risk-Based Capital Ratio | 11.22% | 11.58% | 14.43% | 19.66% | Beats 21% | 498 / 629 | ||
| Equity / Assets | 7.69% | 9.09% | 10.65% | 13.80% | Beats 10% | 569 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.37% | 67.24% | 80.90% | 93.48% | 72nd pctl | 169 / 594 | ||
| Loans / Assets | 79.36% | 53.31% | 67.71% | 78.15% | 80th pctl | 125 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||