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Fusion Bank

$100M-$1B Specialty: Commercial KS FDIC cert 15899

Larned, KS

3 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +2.9% year over year ($219.1M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 2.01%.
  • Efficiency ratio 50.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Fusion Bank shows strong momentum with 3 strengths and 7.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 40.2% in tier
  • + Efficiency Ratio 14.24% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Fusion Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $281.0M
+7.8% YoY +20.3% QoQ
-$105.6M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $127.7M
+15.1% YoY +0.6% QoQ
-$130.7M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $219.1M
+2.9% YoY +25.7% QoQ
-$107.6M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 2.01%
+15.9% YoY +13.0% QoQ
+0.69% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 13.0% in tier
Net Interest Margin ? 3.95%
+10.1% YoY -0.9% QoQ
-0.04% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 50.24%
-2.0% YoY -5.6% QoQ
-14.24% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
83%
Delinquency Rate ? 0.48% -0.44% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 58.26%
+11.9% YoY -20.0% QoQ
-19.69% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
85%
Non-Interest-Bearing Deposit Share ? 17.99%
+6.9% YoY -21.8% QoQ
-4.04% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.22% -0.45% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 12.76%
-12.3% YoY -10.8% QoQ
-3.15% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.09%
-8.7% YoY +84.9% QoQ
-0.47% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 18.0%
+1.2pp YoY
-5.0pp QoQ
 -4.2pp 22.1% 22.3% 22.2% 36%
Brokered Deposits 11.3% +3.4pp 7.9% 8.7% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 21.0%
-5.0pp YoY
-0.6pp QoQ
 +9.5pp 11.6% 12.6% 12.5% 90%
CRE n/a n/a 39.5% 28.8% 41.4% n/a
1-4 Family 14.8%
-1.5pp YoY
-1.1pp QoQ
 -17.8pp 32.6% 26.7% 31.3% 19%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.6% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 12.8%
-1.8pp YoY
-1.5pp QoQ
 +0.6pp 12.2% 12.6% 12.6% 73%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 20
-2 (-9.1%) YoY
-1 (-4.8%) QoQ
 -39 58 70 482 11%
Assets per Employee ($) $14.0M
+18.6% YoY
+26.3% QoQ
 +$6.5M $7.5M $7.1M $8.8M 96%
Branch Count 3
0 YoY
0 QoQ
 -2 4 6 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.5% -0.5pp 0.9% 0.8% 1.0% 52%
Allowance Coverage 3.47x -20.68x 24.15x 22.44x 20.23x 62%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 15.4%
+0.2pp YoY
+2.3pp QoQ
 +3.2pp 12.2% 14.3% 11.6% 70%
Cost of Funds (YTD) 1.6%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 40%
Net Income ($, YTD) $2.6M
+16.1% YoY
— QoQ
 -$3K $2.6M $3.7M $40.4M 63%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#267 of 661 • Top 40.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

344
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#344 of 2643 Top 13.0% in $100M-$1B
399
Loan-to-Deposit Ratio
liquidity
Value: 58.26%
Peer Median: 77.95%
#399 of 2643 Top 15.1% in $100M-$1B
459
Efficiency Ratio
profitability
Value: 50.24%
Peer Median: 64.48%
#459 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (1 metrics)

2224
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2224 of 2643 Bottom 15.9% in $100M-$1B
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