Kansas State Bank
Ottawa, KS · Cert 10505 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 3 branches
Q2 2026
$208.4MAssets
$79.4MLoans
$187.9MDeposits
$17.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in KS (rank 95 of 98).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.13%
Rank 60 of 98
Net Interest Margin
3.21%
Rank 77 of 98
Efficiency Ratio
58.80%
Rank 49 of 98
Equity / Assets
8.60%
Rank 74 of 98
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 51% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 1.03% | 1.24% | 1.54% | Beats 39% | 60 / 98 | |
| Return on Equity | 13.18% | 8.85% | 11.58% | 14.73% | Beats 66% | 33 / 98 | |
| Net Interest Margin | 3.21% | 3.24% | 3.62% | 3.91% | Beats 21% | 77 / 98 | |
| Efficiency Ratio | 58.80% | 51.87% | 58.88% | 64.74% | Beats 51% | 49 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.01% | 0.33% | 1.05% | Beats 30% | 70 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 9.25% | 11.81% | 13.71% | 17.33% | Beats 3% | 95 / 98 | |
| Total Risk-Based Capital Ratio | 9.25% | 11.81% | 14.13% | 17.45% | Beats 3% | 95 / 98 | |
| Equity / Assets | 8.60% | 8.60% | 11.34% | 13.10% | Beats 24% | 74 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 42.22% | 57.09% | 69.84% | 82.47% | 7th pctl | 91 / 98 | |
| Loans / Assets | 38.08% | 49.34% | 58.31% | 68.94% | 9th pctl | 89 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |