Overland Park, KS · Cert 58648
FDIC · 16 branches
Q1 2025
Market Position · Kansas City, MO-KS · 2024 SOD (annual) · 3.4% share · #5 of 118 inst. · $3.0B of $88.5B
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.96% | 0.96% | 1.01% | 1.01% | 1.06% | 1.09% | -1.83% | -284 bps | |
| Return on Equity | 10.31% | 10.45% | 10.40% | 10.72% | 10.78% | 11.09% | 11.33% | -18.08% | -2,880 bps | |
| Net Interest Margin | 3.24% | 3.13% | 3.08% | 3.07% | 3.04% | 3.04% | 3.12% | 1.19% | -188 bps | |
| Efficiency Ratio | 59.60% | 58.84% | 57.75% | 57.95% | 57.40% | 55.62% | 54.49% | 101.10% | +4,314 bps | |
| Non-Interest Burden | 1.86% | 1.76% | 1.70% | 1.70% | 1.66% | 1.60% | 1.60% | 1.23% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.80% | 22.78% | 11.80% | 8.47% | 7.29% | 5.61% | 3.93% | -0.37% | -884 bps | |
| Loan Growth (YoY) | 28.01% | 27.11% | 14.05% | 10.65% | 9.45% | 6.48% | 2.13% | -3.38% | -1,404 bps | |
| Deposit Growth (YoY) | 28.04% | 26.68% | 14.83% | 13.05% | 10.53% | 4.89% | 3.53% | -1.32% | -1,437 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.62% | 0.41% | 0.24% | 0.19% | 0.32% | 0.55% | 0.79% | +55 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.09% | 0.09% | 0.08% | 0.09% | 0.09% | 1.97% | +188 bps | |
| Allowance / Loans | 1.17% | 1.20% | 1.20% | 1.20% | 1.20% | 1.23% | 1.26% | 1.86% | +67 bps | |
| Allowance Coverage of NPLs | 5.0x | 2.0x | 3.0x | 5.0x | 6.4x | 3.8x | 2.3x | 2.3x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.90% | 9.86% | 9.85% | 9.91% | 10.05% | 10.43% | 8.78% | -107 bps | |
| Total Risk-Based Capital | 10.70% | 10.93% | 11.12% | 11.14% | 11.21% | 11.66% | 12.14% | 10.27% | -87 bps | |
| Equity / Assets | 9.21% | 9.01% | 9.54% | 9.34% | 9.36% | 10.03% | 9.96% | 10.26% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.00% | 93.88% | 94.36% | 94.67% | 94.07% | 95.31% | 93.08% | 92.69% | -198 bps | |
| Liquid Assets / Assets | 4.24% | 2.64% | 2.88% | 2.22% | 2.58% | 2.26% | 4.45% | 8.48% | +626 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |