PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

District One Highway

Saint Joseph, MO · Charter 63420

NCUA · 1 branch

Q2 2026

$30.5MAssets
$7.1MLoans
$24.6MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.20%, up 24 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.78%, up 117 bps from a year ago.
  • Funding: loans stand at 28.92% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+30 bps YoY

Efficiency Ratio (YTD, annualized)

54.21%-274 bps YoY

Net Worth / Assets

18.78%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.75%0.83%0.96%1.08%1.13%1.18%1.20%+24 bps
Return on Equity4.50%4.57%4.79%5.44%6.02%6.13%6.34%6.39%+95 bps
Net Interest Margin1.77%1.81%2.04%2.14%2.23%2.32%2.38%2.43%+30 bps
Efficiency Ratio61.02%60.88%60.86%56.95%54.74%54.87%55.38%54.21%-274 bps
Growth
Asset Growth (YoY)-2.08%-0.70%-5.07%-5.07%-4.24%-5.00%-0.50%0.38%+545 bps
Loan Growth (YoY)-8.99%-10.58%-7.65%-7.66%12.21%12.10%10.93%19.89%+2,754 bps
Share Growth (YoY)-3.20%-1.70%-6.99%-7.15%-6.25%-7.28%-2.07%-1.06%+610 bps
Asset Quality
Delinquent Loans / Loans0.11%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 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 Capital16.18%16.41%17.24%17.61%17.92%18.40%18.53%18.78%+117 bps
Net Worth / Assets16.18%16.41%17.24%17.61%17.92%18.40%18.53%18.78%+117 bps
Liquidity & Funding
Loans / Shares24.43%23.38%24.05%23.86%29.24%28.27%27.24%28.92%+505 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps