Americus State Bank, The
Americus, KS · Cert 13957 · Peer group: banks under $1B in assets in KS (n=112)
FDIC · 2 branches
Q2 2024
$52.6MAssets
$29.6MLoans
$42.6MDeposits
$2.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 45 of 112).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in KS (rank 112 of 112).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-1.91%
Rank 112 of 112
Net Interest Margin
1.33%
Rank 112 of 112
Efficiency Ratio
224%
Rank 112 of 112
Equity / Assets
4.77%
Rank 106 of 112
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 1% 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 | -1.91% | 0.67% | 0.95% | 1.37% | Beats 0% | 112 / 112 | n/a | |
| Return on Equity | -39.94% | 6.54% | 9.65% | 14.21% | Beats 0% | 112 / 112 | n/a | |
| Net Interest Margin | 1.33% | 2.80% | 3.20% | 3.61% | Beats 0% | 112 / 112 | n/a | |
| Efficiency Ratio | 224% | 55.88% | 65.47% | 75.12% | Beats 1% | 112 / 112 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | n/a | 0.19% | 0.73% | Beats 16% | 95 / 112 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 45 / 112 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 11.86% | 13.49% | 17.55% | Beats 39% | 68 / 112 | n/a | |
| Total Risk-Based Capital Ratio | 14.26% | 11.93% | 14.17% | 18.27% | Beats 52% | 54 / 112 | n/a | |
| Equity / Assets | 4.77% | 7.43% | 9.66% | 12.20% | Beats 5% | 106 / 112 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 69.56% | 56.14% | 70.88% | 82.32% | 48th pctl | 58 / 112 | n/a | |
| Loans / Assets | 56.38% | 48.38% | 57.96% | 68.03% | 47th pctl | 59 / 112 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |