FNB Bank
Goodland, KS · Cert 14420 · Peer group: banks under $1B in assets operating regionally (n=94) · First Natl Bancshares Profit Sharing&Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 5 branches
Q2 2026
$270.3MAssets
$180.9MLoans
$235.0MDeposits
$23.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets operating regionally (rank 21 of 94).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating regionally (rank 92 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 57 of 94
Net Interest Margin
4.25%
Rank 21 of 94
Efficiency Ratio
70.99%
Rank 68 of 94
Equity / Assets
8.80%
Rank 75 of 94
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 29% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.82% | 1.19% | 1.46% | Beats 39% | 57 / 94 | |
| Return on Equity | 11.87% | 7.85% | 11.84% | 14.03% | Beats 51% | 46 / 94 | |
| Net Interest Margin | 4.25% | 3.42% | 3.81% | 4.18% | Beats 78% | 21 / 94 | |
| Efficiency Ratio | 70.99% | 55.99% | 62.41% | 73.02% | Beats 29% | 68 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.03% | 0.19% | 0.47% | 1.14% | Beats 3% | 92 / 94 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 29% | 68 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 14.21% | 10.28% | 11.95% | 15.07% | Beats 66% | 32 / 94 | |
| Total Risk-Based Capital Ratio | 15.46% | 10.31% | 12.59% | 15.88% | Beats 68% | 30 / 94 | |
| Equity / Assets | 8.80% | 8.98% | 10.21% | 11.41% | Beats 20% | 75 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 76.99% | 72.62% | 84.44% | 94.55% | 35th pctl | 61 / 94 | |
| Loans / Assets | 66.94% | 62.50% | 72.84% | 78.99% | 33rd pctl | 63 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |