PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kimberly Clark

Memphis, TN · Charter 60928

NCUA · 1 branch

Q2 2026

$144.7MAssets
$81.6MLoans
$111.5MShares
$32.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 17 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.33% of loans (+17 bps YoY).
  • Capital: net worth / assets of 22.34%, up 30 bps from a year ago.
  • Funding: loans stand at 73.15% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+4 bps YoY

Efficiency Ratio (YTD, annualized)

74.22%-415 bps YoY

Net Worth / Assets

22.34%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.28%0.25%0.35%0.39%0.43%0.54%0.52%+17 bps
Return on Equity1.17%1.25%1.16%1.61%1.75%1.91%2.43%2.33%+73 bps
Net Interest Margin3.23%3.22%3.34%3.39%3.46%3.47%3.44%3.43%+4 bps
Efficiency Ratio80.06%80.28%80.21%78.37%77.96%77.59%73.81%74.22%-415 bps
Growth
Asset Growth (YoY)3.55%4.78%3.36%1.98%1.81%0.93%1.66%0.94%-104 bps
Loan Growth (YoY)-3.98%-5.63%-4.73%-4.79%-2.75%-3.15%-1.73%-0.52%+427 bps
Share Growth (YoY)4.46%6.10%4.37%2.70%1.60%0.72%1.13%0.59%-211 bps
Asset Quality
Delinquent Loans / Loans0.65%1.08%0.91%1.17%1.00%1.55%1.05%1.33%+17 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 Capital22.30%22.17%21.90%22.04%22.28%22.39%22.03%22.34%+30 bps
Net Worth / Assets22.30%22.17%21.90%22.04%22.28%22.39%22.03%22.34%+30 bps
Liquidity & Funding
Loans / Shares78.34%76.51%74.19%73.96%74.98%73.58%72.10%73.15%-81 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps