Rogersville, MO · Cert 8572 · Wildcat Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.6% share · #27 of 41 inst. · $0.1B of $17.8B
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 | 0.60% | 0.31% | 0.64% | 0.68% | 0.80% | 0.78% | 0.84% | 0.98% | +30 bps | |
| Return on Equity | 6.39% | 3.33% | 6.73% | 7.00% | 7.98% | 7.74% | 7.67% | 8.93% | +193 bps | |
| Net Interest Margin | 3.41% | 3.45% | 3.78% | 3.80% | 3.86% | 3.85% | 3.90% | 3.94% | +14 bps | |
| Efficiency Ratio | 74.75% | 74.09% | 72.41% | 73.10% | 70.83% | 71.33% | 73.02% | 70.44% | -265 bps | |
| Non-Interest Burden | 2.40% | 2.40% | 2.63% | 2.65% | 2.56% | 2.58% | 2.72% | 2.57% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.33% | 1.89% | 1.23% | -1.50% | -3.66% | -1.05% | -4.33% | 0.59% | +209 bps | |
| Loan Growth (YoY) | 3.33% | -0.21% | 0.11% | -4.80% | -6.21% | -6.01% | -5.82% | -2.47% | +233 bps | |
| Deposit Growth (YoY) | 0.84% | -3.73% | -1.10% | -1.64% | -4.32% | -1.12% | -2.33% | 3.71% | +535 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.38% | 0.16% | 0.47% | 0.37% | 0.45% | 0.43% | 0.41% | -6 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.17% | 0.13% | 0.09% | 0.07% | 0.05% | -0.03% | -0.02% | -11 bps | |
| Allowance / Loans | 1.14% | 1.74% | 1.80% | 1.92% | 2.01% | 2.15% | 2.17% | 2.20% | +28 bps | |
| Allowance Coverage of NPLs | 2.7x | 4.5x | 11.0x | 4.1x | 5.4x | 4.8x | 5.1x | 5.4x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.27% | 10.38% | 10.51% | 10.92% | 11.13% | 11.18% | 11.37% | +86 bps | |
| Total Risk-Based Capital | 10.59% | 10.27% | 10.38% | 10.51% | 10.92% | 11.13% | 11.18% | 11.37% | +86 bps | |
| Equity / Assets | 9.66% | 9.47% | 9.61% | 10.18% | 10.59% | 10.88% | 10.93% | 11.04% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.93% | 92.82% | 93.78% | 93.44% | 91.09% | 88.24% | 90.43% | 87.87% | -557 bps | |
| Liquid Assets / Assets | 1.51% | 2.75% | 0.26% | 1.82% | 4.85% | 6.10% | 4.04% | 6.05% | +423 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 265% | 261% | 271% | n/a | n/a | |