Baxter State Bank, The
Baxter Springs, KS · Cert 12432 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Baxter Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$25.2MAssets
$12.3MLoans
$19.2MDeposits
$5.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: return on equity trails 83% of banks under $1B in assets operating in a single state (rank 619 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.96%
Rank 428 of 746
Net Interest Margin
5.04%
Rank 29 of 746
Efficiency Ratio
78.51%
Rank 597 of 746
Equity / Assets
19.79%
Rank 35 of 746
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 428 / 746 | |
| Return on Equity | 4.83% | 6.74% | 10.51% | 13.63% | Beats 17% | 619 / 746 | |
| Net Interest Margin | 5.04% | 3.17% | 3.68% | 4.16% | Beats 96% | 29 / 746 | |
| Efficiency Ratio | 78.51% | 55.74% | 64.58% | 75.47% | Beats 20% | 597 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.07% | Beats 24% | 567 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.75% | 11.55% | 13.75% | 17.60% | Beats 82% | 132 / 746 | |
| Total Risk-Based Capital Ratio | 19.75% | 11.71% | 14.33% | 18.43% | Beats 80% | 147 / 746 | |
| Equity / Assets | 19.79% | 8.90% | 10.51% | 13.06% | Beats 95% | 35 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 64.09% | 61.31% | 78.27% | 90.78% | 28th pctl | 539 / 746 | |
| Loans / Assets | 49.01% | 53.60% | 66.97% | 76.08% | 20th pctl | 600 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |