Blue Springs, MO · Cert 8893 · Urich Bcorp Inc.
State charter, non-member · FDIC · 1 branch
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 under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
59
Profitability
45
Liquidity
0
Efficiency
52
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.
Blue Springs, MO · Cert 8893 · Urich Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #94 of 114 inst. · $0.0B 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 | 1.14% | 1.03% | 1.18% | 1.24% | 1.25% | 1.33% | 1.19% | 1.25% | +2 bps | |
| Return on Equity | 11.54% | 10.51% | 12.01% | 12.93% | 13.24% | 14.22% | 13.38% | 14.15% | +122 bps | |
| Net Interest Margin | 3.82% | 3.83% | 4.16% | 4.21% | 4.23% | 4.09% | 3.91% | 3.93% | -28 bps | |
| Efficiency Ratio | 61.52% | 63.74% | 63.07% | 57.57% | 57.17% | 55.21% | 58.74% | 58.02% | +45 bps | |
| Non-Interest Burden | 2.32% | 2.41% | 2.59% | 2.40% | 2.40% | 2.24% | 2.23% | 2.23% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.39% | 19.75% | 7.63% | 15.88% | 14.80% | 22.07% | 26.08% | 16.92% | +104 bps | |
| Loan Growth (YoY) | 2.37% | 9.64% | 7.89% | 15.52% | 22.00% | 26.36% | 26.04% | 13.22% | -230 bps | |
| Deposit Growth (YoY) | 6.76% | 11.89% | 3.30% | 12.10% | 8.69% | 11.38% | 17.76% | 11.28% | -82 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.32% | +132 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.12% | -0.19% | -0.08% | -0.05% | -0.04% | -0.01% | -0.01% | +7 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.29% | 1.30% | 1.28% | 1.28% | 1.32% | 1.38% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.88% | 9.78% | 9.91% | 9.34% | 9.42% | 9.31% | 9.23% | 8.69% | -66 bps | |
| Total Risk-Based Capital | 9.88% | 9.78% | 9.91% | 9.34% | 9.42% | 9.31% | 9.23% | 8.69% | -66 bps | |
| Equity / Assets | 9.65% | 9.71% | 9.86% | 9.16% | 9.20% | 8.97% | 8.87% | 8.71% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.67% | 109.17% | 106.18% | 111.97% | 118.60% | 123.85% | 113.64% | 113.93% | +196 bps | |
| Liquid Assets / Assets | 8.15% | 5.27% | 9.97% | 5.96% | 3.28% | 3.81% | 10.21% | 10.13% | +417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 435% | 469% | 433% | n/a | n/a | |
Blue Springs, MO · Cert 8893 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Urich Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.24%
Rank 23 of 40
Net Interest Margin
3.93%
Rank 22 of 40
Efficiency Ratio
58.02%
Rank 20 of 40
Equity / Assets
8.71%
Rank 28 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.24% | 1.02% | 1.39% | 1.86% | Beats 43% | 23 / 40 | ||
| Return on Equity | 14.28% | 10.74% | 14.78% | 21.32% | Beats 48% | 21 / 40 | ||
| Net Interest Margin | 3.93% | 3.33% | 4.05% | 4.63% | Beats 45% | 22 / 40 | ||
| Efficiency Ratio | 58.02% | 51.70% | 58.10% | 69.29% | Beats 52% | 20 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.05% | 0.20% | 1.11% | Beats 18% | 33 / 39 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.69% | 11.32% | 12.27% | 16.94% | Beats 0% | 40 / 40 | ||
| Total Risk-Based Capital Ratio | 8.69% | 11.32% | 13.09% | 17.63% | Beats 0% | 40 / 40 | ||
| Equity / Assets | 8.71% | 8.41% | 10.10% | 12.34% | Beats 30% | 28 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 113.93% | 73.50% | 85.60% | 94.85% | 93rd pctl | 3 / 40 | ||
| Loans / Assets | 87.95% | 62.75% | 69.87% | 79.23% | 95th pctl | 2 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||