Peoples Bank, The
Pratt, KS · Cert 1147 · Peer group: banks under $1B in assets in KS (n=98) · Peoples Bankshares Ltd. the
State charter, Fed member · FED · 5 branches
Q2 2026
$531.1MAssets
$266.8MLoans
$486.6MDeposits
$40.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks under $1B in assets in KS (rank 2 of 98).
- Widest gap: equity / assets trails 88% of banks under $1B in assets in KS (rank 86 of 98).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.48%
Rank 2 of 98
Net Interest Margin
3.68%
Rank 40 of 98
Efficiency Ratio
43.68%
Rank 4 of 98
Equity / Assets
7.70%
Rank 86 of 98
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 97% 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 | 2.48% | 1.03% | 1.24% | 1.54% | Beats 98% | 2 / 98 | | |
| Return on Equity | 32.25% | 8.85% | 11.58% | 14.73% | Beats 98% | 2 / 98 | | |
| Net Interest Margin | 3.68% | 3.24% | 3.62% | 3.91% | Beats 59% | 40 / 98 | | |
| Efficiency Ratio | 43.68% | 51.87% | 58.88% | 64.74% | Beats 97% | 4 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.01% | 0.33% | 1.05% | Beats 47% | 53 / 98 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 38% | 62 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 15.52% | 11.81% | 13.71% | 17.33% | Beats 65% | 34 / 98 | | |
| Total Risk-Based Capital Ratio | 16.77% | 11.81% | 14.13% | 17.45% | Beats 67% | 32 / 98 | | |
| Equity / Assets | 7.70% | 8.60% | 11.34% | 13.10% | Beats 12% | 86 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.84% | 57.09% | 69.84% | 82.47% | 21st pctl | 77 / 98 | | |
| Loans / Assets | 50.24% | 49.34% | 58.31% | 68.94% | 29th pctl | 70 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |