State Bank of Kingman
Kingman, KS · Cert 13157 · Peer group: banks under $1B in assets in KS (n=105)
FDIC · 4 branches
Q1 2025
$258.5MAssets
$186.2MLoans
$226.9MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of banks under $1B in assets in KS (rank 27 of 105).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in KS (rank 105 of 105).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-4.57%
Rank 105 of 105
Net Interest Margin
3.12%
Rank 72 of 105
Efficiency Ratio
811%
Rank 105 of 105
Equity / Assets
7.47%
Rank 84 of 105
Non-interest income vs. expense
Unfavorable gap of $19.8M · efficiency ratio beats 1% 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 | -4.57% | 0.78% | 1.10% | 1.38% | Beats 0% | 105 / 105 | |
| Return on Equity | -61.14% | 8.15% | 10.82% | 13.36% | Beats 0% | 105 / 105 | |
| Net Interest Margin | 3.12% | 3.06% | 3.29% | 3.75% | Beats 31% | 72 / 105 | |
| Efficiency Ratio | 811% | 55.42% | 62.09% | 69.97% | Beats 1% | 105 / 105 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.22% | 0.77% | Beats 75% | 27 / 105 | |
| Net Charge-Offs / Loans | 0.01% | n/a | n/a | 0.01% | Beats 33% | 72 / 105 | |
| Capital |
| Tier 1 Capital Ratio | 8.50% | 11.89% | 13.59% | 17.54% | Beats 0% | 105 / 105 | |
| Total Risk-Based Capital Ratio | 8.50% | 11.91% | 14.34% | 18.04% | Beats 0% | 105 / 105 | |
| Equity / Assets | 7.47% | 7.61% | 10.31% | 12.60% | Beats 20% | 84 / 105 | |
| Liquidity & Funding |
| Loans / Deposits | 82.06% | 54.60% | 68.18% | 80.10% | 79th pctl | 22 / 105 | |
| Loans / Assets | 72.02% | 48.15% | 58.26% | 66.79% | 85th pctl | 16 / 105 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |