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First State Bank and Trust

Tonganoxie, KS · Cert 14974 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Tonganoxie Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$514.9MAssets
$337.4MLoans
$457.6MDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 55% of banks under $1B in assets in the Kansas City, MO-KS area (rank 18 of 40).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in the Kansas City, MO-KS area (rank 35 of 39).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.15%

Rank 27 of 40

Net Interest Margin

4.06%

Rank 19 of 40

Efficiency Ratio

67.83%

Rank 30 of 40

Equity / Assets

8.41%

Rank 30 of 40

Non-interest income vs. expense

$4.8M$17.4MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 27% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 67.83%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%1.02%1.39%1.86%Beats 33%27 / 40
Return on Equity13.68%10.74%14.78%21.32%Beats 40%24 / 40
Net Interest Margin4.06%3.33%4.05%4.63%Beats 53%19 / 40
Efficiency Ratio67.83%51.70%58.10%69.29%Beats 27%30 / 40
Asset Quality
Nonperforming Loans / Loans0.48%0.05%0.20%1.11%Beats 36%26 / 39
Net Charge-Offs / Loans0.23%n/a0.00%0.05%Beats 13%35 / 39
Capital
Tier 1 Capital Ratio12.11%11.32%12.27%16.94%Beats 48%21 / 40
Total Risk-Based Capital Ratio13.36%11.32%13.09%17.63%Beats 55%18 / 40
Equity / Assets8.41%8.41%10.10%12.34%Beats 25%30 / 40
Liquidity & Funding
Loans / Deposits73.73%73.50%85.60%94.85%28th pctl29 / 40
Loans / Assets65.53%62.75%69.87%79.23%33rd pctl27 / 40
Brokered Deposits / Depositsn/aNot reported for this institution