Wilson State Bank
Wilson, KS · Cert 12136 · Peer group: banks under $1B in assets in KS (n=98) · Wilson Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$123.1MAssets
$86.7MLoans
$108.2MDeposits
$10.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in KS (rank 19 of 98).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in KS (rank 91 of 98).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.97%
Rank 79 of 98
Net Interest Margin
3.62%
Rank 50 of 98
Efficiency Ratio
67.30%
Rank 80 of 98
Equity / Assets
8.50%
Rank 76 of 98
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 19% 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 | 0.97% | 1.03% | 1.24% | 1.54% | Beats 19% | 79 / 98 | | |
| Return on Equity | 11.46% | 8.85% | 11.58% | 14.73% | Beats 47% | 52 / 98 | | |
| Net Interest Margin | 3.62% | 3.24% | 3.62% | 3.91% | Beats 49% | 50 / 98 | | |
| Efficiency Ratio | 67.30% | 51.87% | 58.88% | 64.74% | Beats 19% | 80 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 82% | 19 / 98 | | |
| Net Charge-Offs / Loans | 0.19% | n/a | 0.00% | 0.03% | Beats 8% | 91 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 11.81% | 13.71% | 17.33% | Beats 35% | 64 / 98 | | |
| Total Risk-Based Capital Ratio | 13.31% | 11.81% | 14.13% | 17.45% | Beats 42% | 57 / 98 | | |
| Equity / Assets | 8.50% | 8.60% | 11.34% | 13.10% | Beats 22% | 76 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.13% | 57.09% | 69.84% | 82.47% | 69th pctl | 30 / 98 | | |
| Loans / Assets | 70.41% | 49.34% | 58.31% | 68.94% | 80th pctl | 20 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |