Kearney, MO · Cert 9794
State charter, non-member · 2 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=41 to 42). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
66
Profitability
59
Liquidity
34
Efficiency
83
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.
Kearney, MO · Cert 9794
State charter, non-member · 2 branches
Q1 2026
Market Position · Kansas City, MO-KS · 2025 SOD (annual) · 0.3% share · #39 of 116 inst. · $0.3B of $99.6B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.37% | 1.33% | 1.30% | 1.48% | 1.56% | 1.43% | 1.79% | +49 bps | |
| Return on Equity | 16.34% | 15.94% | 15.37% | 14.79% | 16.34% | 16.57% | 14.79% | 16.51% | +172 bps | |
| Net Interest Margin | 3.40% | 3.39% | 3.34% | 3.46% | 3.52% | 3.61% | 3.66% | 3.84% | +38 bps | |
| Efficiency Ratio | 51.84% | 51.61% | 53.90% | 53.54% | 50.55% | 49.67% | 52.54% | 46.81% | -672 bps | |
| Non-Interest Burden | 1.59% | 1.57% | 1.64% | 1.69% | 1.61% | 1.62% | 1.76% | 1.54% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 5.87% | 5.85% | 7.73% | 7.17% | 5.63% | 2.58% | 3.00% | -473 bps | |
| Loan Growth (YoY) | 5.89% | 5.44% | 2.14% | 3.45% | -0.77% | -1.99% | 3.75% | 4.42% | +97 bps | |
| Deposit Growth (YoY) | 1.91% | 3.51% | 4.82% | 7.45% | 5.71% | 4.46% | 0.55% | 0.73% | -672 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.17% | 0.09% | 0.73% | 0.89% | 0.98% | 0.00% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.05% | 0.00% | 0.01% | 0.02% | 0.03% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.52% | 1.52% | 1.54% | 1.56% | 1.56% | 1.48% | 1.45% | -9 bps | |
| Allowance Coverage of NPLs | n/a | 852.7x | 8.8x | 17.8x | 2.1x | 1.8x | 1.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.40% | 10.45% | 10.06% | 10.32% | 10.87% | 11.17% | 11.74% | +167 bps | |
| Total Risk-Based Capital | 18.19% | 18.78% | 19.84% | 18.74% | 19.92% | 20.67% | 20.67% | 21.68% | +294 bps | |
| Equity / Assets | 8.30% | 9.36% | 8.94% | 8.70% | 9.55% | 10.36% | 10.84% | 10.85% | +215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.35% | 62.92% | 59.33% | 58.65% | 58.53% | 59.04% | 61.22% | 60.80% | +215 bps | |
| Liquid Assets / Assets | 9.85% | 11.86% | 10.17% | 8.32% | 9.17% | 10.11% | 10.53% | 14.64% | +631 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 196.08% | 212% | 198.29% | n/a | |
Kearney, MO · Cert 9794 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=41-42)
State charter, non-member · 2 branches
Q1 2026
Return on Assets
1.77%
Rank 12 of 42
Net Interest Margin
3.84%
Rank 24 of 42
Efficiency Ratio
46.81%
Rank 8 of 42
Equity / Assets
10.85%
Rank 14 of 42
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.77% | 0.99% | 1.32% | 1.77% | Beats 71% | 12 / 42 | ||
| Return on Equity | 16.27% | 8.12% | 13.79% | 19.98% | Beats 62% | 16 / 42 | ||
| Net Interest Margin | 3.84% | 3.37% | 3.99% | 4.57% | Beats 43% | 24 / 42 | ||
| Efficiency Ratio | 46.81% | 49.48% | 59.08% | 68.99% | Beats 83% | 8 / 42 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.29% | 1.28% | Beats 100% | 10 / 41 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 32% | 29 / 41 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.43% | 11.23% | 12.22% | 17.19% | Beats 81% | 8 / 42 | ||
| Total Risk-Based Capital Ratio | 21.68% | 11.23% | 13.21% | 18.22% | Beats 83% | 7 / 42 | ||
| Equity / Assets | 10.85% | 8.06% | 10.26% | 12.21% | Beats 67% | 14 / 42 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.80% | 70.92% | 84.88% | 93.19% | 14th pctl | 36 / 42 | ||
| Loans / Assets | 53.82% | 61.50% | 69.02% | 79.13% | 14th pctl | 36 / 42 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.09% | Beats 100% | 30 / 42 | ||