PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Kansas

Topeka, KS · Charter 63217

NCUA · 1 branch

Q2 2026

$12.2MAssets
$5.0MLoans
$9.7MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, down 29 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.41% of loans (-100 bps YoY).
  • Capital: net worth / assets of 19.90%, down 103 bps from a year ago.
  • Funding: loans stand at 51.05% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.64%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.12%0 bps YoY

Efficiency Ratio (quarter, annualized)

81.20%+726 bps YoY

Net Worth / Assets

19.90%-103 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%0.41%1.00%0.94%0.95%0.60%0.46%0.64%-29 bps
Return on Equity4.95%1.96%4.79%4.48%4.53%2.98%2.37%3.23%-125 bps
Net Interest Margin3.14%2.69%3.19%3.12%3.03%2.77%2.84%3.12%0 bps
Efficiency Ratio74.58%89.97%72.97%73.94%72.93%81.46%86.28%81.20%+726 bps
Growth
Asset Growth (YoY)3.47%1.09%-0.62%2.20%2.37%7.25%8.35%6.96%+476 bps
Loan Growth (YoY)-3.07%-6.94%-5.17%-8.81%-9.25%-6.03%-3.02%-5.19%+362 bps
Share Growth (YoY)4.06%0.83%-1.42%2.14%2.58%8.37%9.90%8.19%+605 bps
Asset Quality
Delinquent Loans / Loans0.00%0.72%0.83%1.41%0.03%0.67%0.74%0.41%-100 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 Capital21.16%21.07%20.85%20.93%20.86%20.10%19.58%19.90%-103 bps
Net Worth / Assets21.16%21.07%20.85%20.93%20.86%20.10%19.58%19.90%-103 bps
Liquidity & Funding
Loans / Shares62.55%62.05%58.58%58.26%55.33%53.80%51.69%51.05%-721 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps