Wellington, KS · Cert 4796 · Tri-County Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.3% share · #38 of 46 inst. · $0.1B of $23.2B
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 | 0.72% | 0.60% | 0.56% | 0.46% | 0.58% | -14 bps | |
| Return on Equity | 15.15% | 11.84% | 10.60% | 7.88% | 9.79% | -536 bps | |
| Net Interest Margin | 2.97% | 2.99% | 2.90% | 2.98% | 3.10% | +13 bps | |
| Efficiency Ratio | 71.25% | 75.73% | 77.59% | 76.37% | 75.06% | +382 bps | |
| Non-Interest Burden | 2.02% | 2.19% | 2.18% | 2.20% | 2.23% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.99% | -0.54% | 4.07% | 1.67% | 6.52% | +1,451 bps | |
| Loan Growth (YoY) | -4.00% | -3.10% | -5.98% | -7.47% | -5.24% | -124 bps | |
| Deposit Growth (YoY) | -9.16% | -1.11% | 2.52% | 0.50% | 5.79% | +1,495 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.94% | 2.66% | 1.98% | 1.93% | 1.17% | -77 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.25% | 0.13% | +15 bps | |
| Allowance / Loans | 0.90% | 0.89% | 0.89% | 0.89% | 0.95% | +5 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.3x | 0.4x | 0.5x | 0.8x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.75% | 9.13% | 8.83% | 8.58% | 8.84% | +10 bps | |
| Total Risk-Based Capital | 18.24% | 18.22% | 18.56% | 19.01% | 19.85% | +161 bps | |
| Equity / Assets | 5.05% | 6.09% | 5.85% | 5.95% | 5.84% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.73% | 51.23% | 46.24% | 46.35% | 45.44% | -529 bps | |
| Liquid Assets / Assets | 0.19% | 0.17% | 0.15% | 2.90% | 2.54% | +236 bps | |
| CRE / Total Capital | n/a | 44.13% | 45.03% | 41.43% | n/a | n/a | |