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 | |