PackageTrendsPeer
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Ark Valley

Arkansas City, KS · Charter 62894

NCUA · 3 branches

Q2 2026

$57.3MAssets
$33.0MLoans
$47.8MShares
$8.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.65%, up 40 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.19% of loans (-29 bps YoY).
  • Capital: net worth / assets of 15.16%, up 106 bps from a year ago.
  • Funding: loans stand at 69.16% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.65%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+2 bps YoY

Efficiency Ratio (YTD, annualized)

70.68%-667 bps YoY

Net Worth / Assets

15.16%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.26%0.90%1.25%1.23%1.07%1.44%1.65%+40 bps
Return on Equity10.06%9.11%6.65%8.83%8.54%7.29%9.99%10.86%+203 bps
Net Interest Margin3.98%3.98%3.52%3.84%3.84%3.97%3.61%3.86%+2 bps
Efficiency Ratio76.08%77.86%81.25%77.35%76.54%79.58%76.24%70.68%-667 bps
Growth
Asset Growth (YoY)16.95%-1.16%0.76%0.62%4.87%1.55%1.81%1.42%+80 bps
Loan Growth (YoY)19.04%-2.46%-4.01%-3.28%-2.63%-1.86%-1.30%-0.57%+271 bps
Share Growth (YoY)14.87%-3.05%-0.48%-0.87%3.89%-0.13%0.13%-0.33%+54 bps
Asset Quality
Delinquent Loans / Loans0.29%0.37%0.29%0.48%0.56%0.65%0.13%0.19%-29 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 Capital13.84%13.86%13.53%14.11%14.34%14.72%14.45%15.16%+106 bps
Net Worth / Assets13.84%13.86%13.53%14.11%14.34%14.72%14.45%15.16%+106 bps
Liquidity & Funding
Loans / Shares72.29%73.37%67.67%69.33%67.75%72.09%66.70%69.16%-17 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps