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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 2.60% | 1.21% | 1.39% | 1.67% | 1.22% | 1.59% | 1.59% | +20 bps | |
| Return on Equity | 14.46% | 22.52% | 12.05% | 13.89% | 15.71% | 12.64% | 18.24% | 18.08% | +419 bps | |
| Net Interest Margin | 10.22% | 8.85% | 8.15% | 7.97% | 8.18% | 8.03% | 7.51% | 6.41% | -156 bps | |
| Efficiency Ratio | 80.31% | 73.89% | 81.09% | 80.00% | 80.11% | 75.90% | 80.02% | 78.30% | -169 bps | |
| Non-Interest Burden | 7.28% | 5.30% | 5.92% | 5.58% | 5.63% | 4.74% | 4.61% | 2.22% | -335 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 | 0.06% | 0.45% | 0.34% | 0.30% | 0.35% | 2.26% | 0.84% | 0.94% | +64 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 | |