Hiawatha, KS · Cert 5830 · Crossdale Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.77% | 1.78% | 1.89% | 1.61% | 1.69% | -8 bps | |
| Return on Equity | 10.11% | 10.09% | 10.73% | 9.17% | 9.55% | -56 bps | |
| Net Interest Margin | 4.31% | 4.38% | 4.19% | 4.15% | 4.25% | -6 bps | |
| Efficiency Ratio | 57.16% | 56.94% | 54.90% | 58.98% | 57.45% | +30 bps | |
| Non-Interest Burden | 2.12% | 2.15% | 1.92% | 2.10% | 2.07% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.36% | 7.77% | 9.24% | 7.83% | 3.06% | -430 bps | |
| Loan Growth (YoY) | 8.44% | 7.30% | 4.66% | 2.61% | 0.95% | -748 bps | |
| Deposit Growth (YoY) | 0.91% | 3.83% | 6.02% | 7.05% | 3.94% | +304 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.00% | 0.03% | 0.21% | +21 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.95% | 0.95% | 0.95% | 0.98% | 0.93% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 68.0x | n/a | 30.6x | 4.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.97% | 18.34% | 17.88% | 17.86% | 18.31% | +34 bps | |
| Total Risk-Based Capital | 29.93% | 29.66% | 29.96% | 31.48% | 30.80% | +87 bps | |
| Equity / Assets | 17.47% | 17.99% | 17.65% | 17.44% | 18.09% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.91% | 86.30% | 81.81% | 77.21% | 82.47% | -244 bps | |
| Liquid Assets / Assets | 7.13% | 5.09% | 9.78% | 13.30% | 9.83% | +271 bps | |
| CRE / Total Capital | n/a | 29.10% | 30.09% | 29.70% | n/a | n/a | |