Bison State Bank
Bison, KS · Cert 14083 · Peer group: banks under $1B in assets operating regionally (n=94) · Bison Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$125.8MAssets
$99.1MLoans
$99.0MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 94).
- Widest gap: efficiency ratio trails 85% of banks under $1B in assets operating regionally (rank 81 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 55 of 94
Net Interest Margin
3.90%
Rank 40 of 94
Efficiency Ratio
85.05%
Rank 81 of 94
Equity / Assets
10.62%
Rank 38 of 94
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 15% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.82% | 1.19% | 1.46% | Beats 41% | 55 / 94 | | |
| Return on Equity | 9.90% | 7.85% | 11.84% | 14.03% | Beats 36% | 60 / 94 | | |
| Net Interest Margin | 3.90% | 3.42% | 3.81% | 4.18% | Beats 57% | 40 / 94 | | |
| Efficiency Ratio | 85.05% | 55.99% | 62.41% | 73.02% | Beats 15% | 81 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.19% | 0.47% | 1.14% | Beats 59% | 40 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 12 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 10.26% | 10.28% | 11.95% | 15.07% | Beats 22% | 73 / 94 | | |
| Total Risk-Based Capital Ratio | 10.26% | 10.31% | 12.59% | 15.88% | Beats 20% | 75 / 94 | | |
| Equity / Assets | 10.62% | 8.98% | 10.21% | 11.41% | Beats 60% | 38 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.10% | 72.62% | 84.44% | 94.55% | 84th pctl | 15 / 94 | | |
| Loans / Assets | 78.76% | 62.50% | 72.84% | 78.99% | 73rd pctl | 25 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |