First State Bank, The
Ness City, KS · Cert 10503 · Peer group: banks under $1B in assets in KS (n=98) · Beutler Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$84.3MAssets
$37.6MLoans
$74.1MDeposits
$9.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: net interest margin trails 97% of banks under $1B in assets in KS (rank 95 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.03%
Rank 73 of 98
Net Interest Margin
2.72%
Rank 95 of 98
Efficiency Ratio
60.90%
Rank 60 of 98
Equity / Assets
11.54%
Rank 46 of 98
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 40% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 1.03% | 1.24% | 1.54% | Beats 26% | 73 / 98 | | |
| Return on Equity | 8.96% | 8.85% | 11.58% | 14.73% | Beats 26% | 73 / 98 | | |
| Net Interest Margin | 2.72% | 3.24% | 3.62% | 3.91% | Beats 3% | 95 / 98 | | |
| Efficiency Ratio | 60.90% | 51.87% | 58.88% | 64.74% | Beats 40% | 60 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 37% | 63 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 21.34% | 11.81% | 13.71% | 17.33% | Beats 88% | 12 / 98 | | |
| Total Risk-Based Capital Ratio | 22.59% | 11.81% | 14.13% | 17.45% | Beats 88% | 12 / 98 | | |
| Equity / Assets | 11.54% | 8.60% | 11.34% | 13.10% | Beats 53% | 46 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.74% | 57.09% | 69.84% | 82.47% | 16th pctl | 82 / 98 | | |
| Loans / Assets | 44.61% | 49.34% | 58.31% | 68.94% | 14th pctl | 84 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |