Kish Bancorp net income rises 38.5% to $5.3 million in Q2 2026
Kish Bancorp reported a 38.5% increase in Q2 2026 net income to $5.3 million, supported by loan and deposit growth. Total assets rose to $2.08 billion, and the net interest margin expanded to 3.46%. The board increased the quarterly dividend to $0.44 per share.
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Kish Bancorp reported net income of $5.3 million, or $1.77 per share, for the second quarter of 2026, representing a 38.5% increase compared to $3.8 million, or $1.28 per share, in the second quarter of 2025. For the first six months of 2026, net income was $10.6 million, or $3.51 per share, compared to $7.4 million, or $2.50 per share, in the prior year period. The company’s total assets increased 13.6% to $2.08 billion at June 30, 2026, up from $1.83 billion a year ago.
Balance Sheet Growth
The growth in assets was primarily driven by a 14.4% year-over-year increase in total loans, which reached $1.78 billion. Loan growth was diversified across categories, with significant contributions from 1-4 family residential loans, multifamily loans, commercial and industrial loans, and non-farm non-residential loans. Total deposits increased by 11.1% to $1.51 billion. Noninterest-bearing demand deposit accounts rose 14.2%, while interest-bearing deposits increased 10.6%. Brokered deposits decreased $25.6 million from the preceding quarter to $95.8 million.
Operating Performance
Net interest income before provision increased 17.0% to $16.6 million in the second quarter of 2026, compared to $14.2 million in the year-ago quarter. The net interest margin expanded to 3.46%, up 10 basis points from the second quarter of 2025. The company recorded a provision for credit losses of $982 thousand, compared to $470 thousand in the second quarter of 2025. Noninterest income increased 17.2% to $3.6 million, driven by higher service fees, equity securities gains, and strong results from insurance and wealth management divisions. Noninterest expense increased 5.7% to $12.9 million.
Capital and Dividends
Kish Bancorp’s board of directors increased the regular quarterly cash dividend by $0.04 to $0.44 per share. The dividend is payable July 31, 2026, to shareholders of record on July 15, 2026. At June 30, 2026, the company exceeded regulatory well-capitalized requirements with a Tier 1 leverage ratio of 8.92%, a Tier 1 capital ratio of 10.08%, and a Total risk-based capital ratio of 10.87%. Stockholders’ equity increased 17.2% to $132.8 million.
| Financial Metric | Q2 2026 | Q2 2025 | Change |
|---|---|---|---|
| Net Income | $5.3 million | $3.8 million | 38.5% |
| Earnings Per Share | $1.77 | $1.28 | 38.3% |
| Net Interest Margin | 3.46% | 3.36% | 10 bps |
| Total Assets | $2.08 billion | $1.83 billion | 13.6% |
| Total Loans | $1.78 billion | $1.55 billion | 14.4% |
| Total Deposits | $1.51 billion | $1.36 billion | 11.1% |
| Return on Average Assets | 1.05% | 0.85% | 20 bps |
| Return on Average Common Equity | 14.94% | 12.18% | 276 bps |
Credit Quality
Nonperforming loans were $10.2 million, or 0.57% of total loans, at June 30, 2026, compared to $506 thousand, or 0.03% of total loans, a year earlier. The allowance for credit losses was $12.4 million, or 0.70% of total loans, compared to $10.2 million, or 0.65% of total loans, a year ago. Net loan charge-offs totaled $248 thousand in the second quarter of 2026.
What specific factors are driving the sharp rise in nonperforming loans from 0.03% to 0.57% year-over-year?
Is the reduction in brokered deposits a strategic shift to lower funding costs, and will this trend continue?
Can the 10 basis point expansion in net interest margin be sustained given potential future interest rate fluctuations?
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