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 (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 | 1.21% | 1.34% | 1.37% | 1.22% | 1.28% | +7 bps | |
| Return on Equity | 15.18% | 16.76% | 17.08% | 15.35% | 16.45% | +127 bps | |
| Net Interest Margin | 3.79% | 3.91% | 3.90% | 3.74% | 4.04% | +25 bps | |
| Efficiency Ratio | 61.32% | 59.48% | 59.75% | 61.65% | 60.65% | -67 bps | |
| Non-Interest Burden | 2.15% | 2.09% | 2.07% | 2.09% | 2.28% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.92% | 13.02% | 10.49% | 11.57% | 14.03% | +412 bps | |
| Loan Growth (YoY) | 10.81% | 18.25% | 14.19% | 8.58% | 13.72% | +292 bps | |
| Deposit Growth (YoY) | 9.31% | 12.06% | 11.68% | 17.77% | 11.24% | +193 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.46% | 0.42% | 0.39% | 0.03% | -50 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.06% | -0.02% | 0.03% | +4 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.28% | 1.31% | 1.25% | -3 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.8x | 3.0x | 3.4x | 40.2x | +37.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.80% | 8.68% | 8.59% | 8.55% | 8.65% | -15 bps | |
| Total Risk-Based Capital | 11.50% | 11.57% | 11.49% | 11.71% | 11.22% | -28 bps | |
| Equity / Assets | 7.99% | 8.05% | 8.04% | 7.92% | 7.69% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.37% | 89.76% | 87.69% | 84.91% | 91.37% | +199 bps | |
| Liquid Assets / Assets | 0.85% | 0.46% | 4.61% | 5.48% | 1.48% | +63 bps | |
| CRE / Total Capital | n/a | 283% | 275% | 229% | n/a | n/a | |