Kansas City, MO · Cert 8283 · Luna Parent Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
6
Profitability
88
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kansas City, MO · Cert 8283 · Luna Parent Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 2.5% share · #9 of 114 inst. · $2.5B of $99.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.91% | 1.21% | 1.31% | 1.43% | 1.34% | 1.59% | 1.59% | +28 bps | |
| Return on Equity | 12.39% | 15.07% | 12.05% | 12.99% | 13.77% | 13.53% | 18.24% | 18.15% | +516 bps | |
| Net Interest Margin | 9.97% | 7.88% | 8.15% | 7.66% | 7.37% | 6.85% | 7.51% | 6.70% | -96 bps | |
| Efficiency Ratio | 81.89% | 79.46% | 81.09% | 80.51% | 80.35% | 78.90% | 80.02% | 79.02% | -148 bps | |
| Non-Interest Burden | 7.35% | 5.54% | 5.92% | 5.46% | 5.19% | 4.60% | 4.61% | 3.26% | -221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.55% | 69.66% | 67.02% | 65.39% | 73.56% | 64.51% | 53.37% | 58.29% | -710 bps | |
| Loan Growth (YoY) | 8.22% | 10.57% | 17.91% | 25.50% | 26.17% | 40.21% | 35.45% | 26.66% | +116 bps | |
| Deposit Growth (YoY) | 19.49% | 81.52% | 75.88% | 76.01% | 80.24% | 68.04% | 55.32% | 61.35% | -1,465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.91% | 1.98% | 1.83% | 1.79% | 1.92% | 2.07% | 2.31% | 3.26% | +147 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.20% | 0.34% | 0.30% | 0.32% | 0.77% | 0.84% | 0.87% | +57 bps | |
| Allowance / Loans | 0.73% | 0.71% | 0.81% | 0.90% | 0.95% | 1.07% | 1.41% | 2.31% | +141 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | 0.5x | 0.6x | 0.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 8.44% | 7.71% | 7.30% | 8.54% | 7.84% | 7.55% | 7.40% | +9 bps | |
| Total Risk-Based Capital | 29.18% | 25.39% | 27.52% | 28.02% | 33.38% | 24.81% | 23.66% | 21.60% | -642 bps | |
| Equity / Assets | 13.21% | 10.33% | 9.78% | 10.17% | 11.05% | 8.64% | 8.73% | 8.84% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.73% | 55.10% | 52.49% | 58.74% | 53.01% | 45.97% | 45.78% | 46.11% | -1,263 bps | |
| Liquid Assets / Assets | 20.60% | 32.53% | 32.30% | 24.41% | 28.71% | 34.52% | 34.97% | 33.45% | +904 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 149.48% | 154.62% | 154.99% | n/a | n/a | |
Kansas City, MO · Cert 8283 · Peer group: banks $1B-$10B in assets (n=322-328) · Luna Parent Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.54%
Rank 77 of 328
Net Interest Margin
6.70%
Rank 8 of 328
Efficiency Ratio
80.77%
Rank 309 of 328
Equity / Assets
8.84%
Rank 264 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.54% | 0.91% | 1.22% | 1.52% | Beats 77% | 77 / 328 | ||
| Return on Equity | 17.45% | 8.43% | 11.45% | 14.43% | Beats 89% | 35 / 328 | ||
| Net Interest Margin | 6.70% | 3.03% | 3.45% | 3.83% | Beats 98% | 8 / 328 | ||
| Efficiency Ratio | 80.77% | 51.61% | 59.56% | 67.53% | Beats 6% | 309 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.26% | 0.24% | 0.51% | 1.03% | Beats 5% | 308 / 322 | ||
| Net Charge-Offs / Loans | 0.54% | 0.01% | 0.03% | 0.10% | Beats 6% | 304 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.33% | 11.75% | 13.15% | 15.47% | Beats 91% | 30 / 328 | ||
| Total Risk-Based Capital Ratio | 21.60% | 12.63% | 14.15% | 16.46% | Beats 91% | 28 / 328 | ||
| Equity / Assets | 8.84% | 9.15% | 10.33% | 12.01% | Beats 20% | 264 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.11% | 76.63% | 87.92% | 95.36% | 3rd pctl | 312 / 323 | ||
| Loans / Assets | 41.17% | 65.18% | 74.15% | 79.98% | 5th pctl | 311 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||