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Armed Forces Bank, National Association

$1B-$10B Specialty: Commercial KS FDIC cert 4666

Fort Leavenworth, KS

15 branches across KS · AZ · CO · WA · IL · KY · MO · NV · TX · VA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits -0.3% year over year ($1.2B on the books).
  • Delinquency rate 1.23%.
  • Return on assets 1.70%.
  • Efficiency ratio 65.56% vs a 59.73% peer average.
  • Loan-to-deposit ratio 59.33% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

Armed Forces Bank, National Association has 3 strengths but faces 3 concerns

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

  • + Revenue Diversifier: Top 16.2% in tier
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 49.4% in tier
  • - Efficiency Ratio 5.83% above tier average
  • - Delinquency Rate 0.36% above tier average
Get updates when Armed Forces Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $1.4B
-0.3% YoY -1.2% QoQ
-$1.4B $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $722.9M
-5.7% YoY -6.0% QoQ
-$1.2B $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 8.7% in tier
Total Deposits ? $1.2B
-0.3% YoY -1.5% QoQ
-$1.1B $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 1.70%
+27.8% YoY -2.1% QoQ
+0.31% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 4.17%
+5.4% YoY +1.9% QoQ
+0.29% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 65.56%
-7.2% YoY +0.9% QoQ
+5.83% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 1.23%
+816.2% YoY +11.4% QoQ
+0.36% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 59.33%
-5.4% YoY -4.5% QoQ
-25.70% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 6.8% in tier
Non-Interest-Bearing Deposit Share ? 30.19%
+4.3% YoY +0.4% QoQ
+8.92% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.62%
+766.6% YoY +6.0% QoQ
-0.05% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 24.61%
+1.2% YoY +6.8% QoQ
+9.76% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Top 4.3% in tier
Non-Interest Income / Assets ? 1.66%
+4.5% YoY +97.3% QoQ
+1.14% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 3.4% in tier

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 30.2%
+1.2pp YoY
+0.1pp QoQ
 +8.8pp 21.4% 22.3% 22.2% 85%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 21.4%
+4.2pp YoY
+1.5pp QoQ
 +7.4pp 14.0% 12.6% 12.5% 83%
CRE 40.0%
-6.3pp YoY
-3.4pp QoQ
 -10.0pp 50.0% 28.8% 41.4% 25%
1-4 Family 34.5%
+2.2pp YoY
+1.7pp QoQ
 +8.1pp 26.4% 26.7% 31.3% 74%
Consumer 3.7%
+0.5pp YoY
+0.4pp QoQ
 -1.1pp 4.7% 4.6% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 24.6%
+0.3pp YoY
+1.6pp QoQ
 +9.0pp 15.6% 23.3% 19.7% 95%
Leverage Ratio 13.9%
-0.5pp YoY
+0.2pp QoQ
 +2.6pp 11.3% 12.6% 12.6% 90%
Total Capital Ratio 25.9%
+0.3pp YoY
+1.6pp QoQ
 +9.2pp 16.7% 24.4% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 251
-8 (-3.1%) YoY
+1 (+0.4%) QoQ
 -63 313 70 482 55%
Assets per Employee ($) $5.7M
+2.9% YoY
-1.5% QoQ
 -$4.8M $10.5M $7.1M $8.8M 9%
Branch Count 15
0 YoY
0 QoQ
 -5 20 6 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 27%
Nonaccrual 1.2%
+1.1pp YoY
+0.1pp QoQ
 +0.4pp 0.8% 0.8% 1.0% 79%
Allowance Coverage 1.34x
-88.0% YoY
-9.2% QoQ
 -17.37x 18.71x 22.44x 20.23x 34%
Net Charge-off Rate (YTD) 0.4%
0.0pp YoY
+0.2pp QoQ
 +0.1pp 0.3% 0.1% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 13.4%
+2.9pp YoY
-0.4pp QoQ
 +0.8pp 12.6% 14.3% 11.6% 61%
Cost of Funds (YTD) 1.0%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 1.9% 1.6% 1.7% 6%
Net Income ($, YTD) $12.2M
+29.2% YoY
— QoQ
 -$7.1M $19.2M $3.7M $40.4M 49%

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)

Revenue Diversifier

growth
#37 of 222 • Top 16.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.66%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.70%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#86 of 172 • Bottom 49.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.61%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 59.33%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

31
Non-Interest Income / Assets
revenue_mix
Value: 1.66%
Peer Median: 0.53%
#31 of 885 Top 3.4% in $1B-$10B
39
Tier 1 Capital Ratio
capital
Value: 24.61%
Peer Median: 14.84%
#39 of 885 Top 4.3% in $1B-$10B
61
Loan-to-Deposit Ratio
liquidity
Value: 59.33%
Peer Median: 85.04%
#61 of 885 Top 6.8% in $1B-$10B
136
Non-Interest-Bearing Deposit Share
funding
Value: 30.19%
Peer Median: 21.27%
#136 of 885 Top 15.3% in $1B-$10B
188
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.39%
#188 of 885 Top 21.1% in $1B-$10B
214
Net Interest Margin
profitability
Value: 4.17%
Peer Median: 3.87%
#214 of 885 Top 24.1% in $1B-$10B

Top Weaknesses (2 metrics)

809
Total Loans
size
Value: $722.88M
Peer Median: $1.96B
#809 of 885 Bottom 8.7% in $1B-$10B
684
Delinquency Rate
credit_quality
Value: 1.23%
Peer Median: 0.87%
#684 of 882 Bottom 22.6% in $1B-$10B
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