PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kansas State University

Manhattan, KS · Charter 5257

NCUA · 3 branches

Q2 2026

$139.9MAssets
$79.2MLoans
$123.2MShares
$15.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.59%, down 41 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.95% of loans (-5 bps YoY).
  • Capital: net worth / assets of 11.00%, up 16 bps from a year ago.
  • Funding: loans stand at 64.28% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.59%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-11 bps YoY

Efficiency Ratio (YTD, annualized)

80.94%+786 bps YoY

Net Worth / Assets

11.00%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.66%1.16%1.00%0.93%0.87%0.55%0.59%-41 bps
Return on Equity5.79%6.35%11.14%9.24%8.57%8.11%5.15%5.34%-390 bps
Net Interest Margin3.27%3.24%3.36%3.55%3.54%3.42%3.30%3.44%-11 bps
Efficiency Ratio80.24%80.47%68.40%73.08%75.74%75.73%78.07%80.94%+786 bps
Growth
Asset Growth (YoY)6.88%9.56%8.04%4.80%4.71%5.91%3.66%5.10%+30 bps
Loan Growth (YoY)6.95%13.03%13.62%12.68%16.01%11.49%7.51%9.08%-360 bps
Share Growth (YoY)11.48%10.34%8.34%3.56%3.53%5.10%3.34%6.44%+288 bps
Asset Quality
Delinquent Loans / Loans0.89%0.94%0.68%1.00%0.81%1.04%0.70%0.95%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.43%10.42%10.40%10.84%10.88%10.71%10.75%11.00%+16 bps
Net Worth / Assets10.43%10.42%10.40%10.84%10.88%10.71%10.75%11.00%+16 bps
Liquidity & Funding
Loans / Shares58.59%60.43%59.87%62.72%65.66%64.10%62.28%64.28%+156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps