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 | |