Pleasant Hill, MO · Cert 58423 · Arcadia Financial Corp.
State charter, non-member · FDIC · 1 branch
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 in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
62
Profitability
34
Liquidity
0
Efficiency
22
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.
Pleasant Hill, MO · Cert 58423 · Arcadia Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #66 of 114 inst. · $0.1B of $99.1B
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 | 0.88% | 0.82% | 0.89% | 0.90% | 1.05% | 1.10% | 1.14% | 1.05% | +15 bps | |
| Return on Equity | 28.75% | 26.17% | 26.25% | 27.03% | 28.28% | 27.24% | 20.44% | 18.33% | -870 bps | |
| Net Interest Margin | 2.08% | 2.18% | 2.45% | 2.56% | 2.61% | 2.68% | 2.99% | 3.00% | +44 bps | |
| Efficiency Ratio | 68.45% | 69.73% | 70.85% | 69.78% | 66.45% | 65.85% | 65.85% | 69.40% | -38 bps | |
| Non-Interest Burden | 1.02% | 1.13% | 1.37% | 1.40% | 1.30% | 1.31% | 1.41% | 1.59% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.76% | 4.05% | 4.22% | 5.23% | 2.77% | 0.81% | -1.10% | -16.65% | -2,188 bps | |
| Loan Growth (YoY) | 33.25% | 12.96% | 24.80% | 27.83% | 18.07% | 27.78% | 4.06% | 3.79% | -2,403 bps | |
| Deposit Growth (YoY) | 2.62% | 3.07% | 3.26% | 4.80% | 2.57% | -1.20% | -3.76% | -19.19% | -2,399 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.01% | 0.01% | 0.03% | 0.05% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.37% | 0.01% | 0.04% | 0.10% | 0.11% | 0.12% | 0.09% | +5 bps | |
| Allowance / Loans | 0.22% | 0.30% | 0.23% | 0.22% | 0.19% | 0.21% | 0.24% | 0.24% | +2 bps | |
| Allowance Coverage of NPLs | n/a | 17.3x | 19.7x | 18.8x | 6.1x | 4.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 9.20% | 8.46% | 8.80% | 8.84% | 9.03% | 9.97% | 10.37% | +157 bps | |
| Total Risk-Based Capital | 23.09% | 24.86% | 21.41% | 21.60% | 22.93% | 23.75% | 24.64% | 25.43% | +383 bps | |
| Equity / Assets | 4.71% | 3.42% | 3.39% | 3.18% | 4.96% | 5.34% | 5.84% | 6.06% | +288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.66% | 29.14% | 38.01% | 33.63% | 36.44% | 37.68% | 41.10% | 43.20% | +957 bps | |
| Liquid Assets / Assets | 0.08% | 10.76% | 1.32% | 14.89% | 5.46% | 6.05% | 9.12% | 6.91% | -798 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 80.25% | 87.08% | 80.16% | n/a | n/a | |
Pleasant Hill, MO · Cert 58423 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Arcadia Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.09%
Rank 29 of 40
Net Interest Margin
3.00%
Rank 36 of 40
Efficiency Ratio
70.06%
Rank 32 of 40
Equity / Assets
6.06%
Rank 37 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 1.02% | 1.39% | 1.86% | Beats 28% | 29 / 40 | ||
| Return on Equity | 17.90% | 10.74% | 14.78% | 21.32% | Beats 65% | 14 / 40 | ||
| Net Interest Margin | 3.00% | 3.33% | 4.05% | 4.63% | Beats 10% | 36 / 40 | ||
| Efficiency Ratio | 70.06% | 51.70% | 58.10% | 69.29% | Beats 22% | 32 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.20% | 1.11% | Beats 100% | 8 / 39 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.05% | Beats 23% | 31 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.14% | 11.32% | 12.27% | 16.94% | Beats 93% | 3 / 40 | ||
| Total Risk-Based Capital Ratio | 25.43% | 11.32% | 13.09% | 17.63% | Beats 90% | 4 / 40 | ||
| Equity / Assets | 6.06% | 8.41% | 10.10% | 12.34% | Beats 8% | 37 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.20% | 73.50% | 85.60% | 94.85% | 5th pctl | 38 / 40 | ||
| Loans / Assets | 40.49% | 62.75% | 69.87% | 79.23% | 5th pctl | 38 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||