Odessa, MO · Cert 9803 · Country Agencies&Investments
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.5% share · #25 of 114 inst. · $0.5B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | 1.90% | 1.94% | 2.01% | 2.32% | 1.92% | 2.08% | 2.00% | -1 bps | |
| Return on Equity | 14.52% | 14.04% | 14.83% | 15.43% | 17.05% | 13.83% | 15.32% | 14.86% | -58 bps | |
| Net Interest Margin | 4.30% | 3.99% | 3.74% | 3.90% | 4.23% | 3.99% | 3.99% | 3.96% | +5 bps | |
| Efficiency Ratio | 30.56% | 36.47% | 34.40% | 32.25% | 27.87% | 31.50% | 32.40% | 34.18% | +193 bps | |
| Non-Interest Burden | 1.19% | 1.34% | 1.17% | 1.14% | 1.01% | 1.17% | 1.19% | 1.23% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 10.07% | 11.60% | 8.36% | 7.11% | 6.17% | 4.52% | 6.27% | -209 bps | |
| Loan Growth (YoY) | 5.92% | 3.95% | 1.66% | -0.41% | -1.27% | 1.92% | 1.01% | 2.64% | +305 bps | |
| Deposit Growth (YoY) | 6.11% | 9.61% | 12.74% | 10.81% | 11.32% | 10.01% | 8.91% | 8.99% | -182 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.99% | 2.05% | 2.25% | 1.51% | 2.46% | 1.93% | 2.03% | 2.12% | +60 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.36% | 0.08% | 0.31% | 0.04% | 0.61% | 0.52% | 0.02% | -29 bps | |
| Allowance / Loans | 1.41% | 1.36% | 1.39% | 1.39% | 1.40% | 1.35% | 1.30% | 1.31% | -8 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.6x | 0.9x | 0.6x | 0.7x | 0.6x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.69% | 13.90% | 12.88% | 13.29% | 14.00% | 14.08% | 13.31% | 13.67% | +39 bps | |
| Total Risk-Based Capital | 23.11% | 23.90% | 23.66% | 24.66% | 25.51% | 25.50% | 25.13% | 25.77% | +111 bps | |
| Equity / Assets | 13.56% | 13.54% | 12.61% | 13.38% | 13.83% | 13.98% | 13.18% | 13.72% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.71% | 91.68% | 85.47% | 85.36% | 83.99% | 84.94% | 79.27% | 80.39% | -497 bps | |
| Liquid Assets / Assets | 14.02% | 15.87% | 20.15% | 19.11% | 18.85% | 20.17% | 23.18% | 21.36% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 134.90% | 132.53% | 138.76% | n/a | n/a | |