Johnson State Bank
Johnson, KS · Cert 15237 · Peer group: banks under $1B in assets in KS (n=98) · Johnson State Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$96.6MAssets
$35.7MLoans
$80.7MDeposits
$12.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets in KS (rank 92 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.79%
Rank 87 of 98
Net Interest Margin
2.96%
Rank 91 of 98
Efficiency Ratio
74.47%
Rank 92 of 98
Equity / Assets
13.18%
Rank 23 of 98
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 7% 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 | 0.79% | 1.03% | 1.24% | 1.54% | Beats 11% | 87 / 98 | | |
| Return on Equity | 6.00% | 8.85% | 11.58% | 14.73% | Beats 7% | 91 / 98 | | |
| Net Interest Margin | 2.96% | 3.24% | 3.62% | 3.91% | Beats 7% | 91 / 98 | | |
| Efficiency Ratio | 74.47% | 51.87% | 58.88% | 64.74% | Beats 7% | 92 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.01% | 0.33% | 1.05% | Beats 65% | 35 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 14.72% | 11.81% | 13.71% | 17.33% | Beats 59% | 40 / 98 | | |
| Total Risk-Based Capital Ratio | 14.72% | 11.81% | 14.13% | 17.45% | Beats 55% | 44 / 98 | | |
| Equity / Assets | 13.18% | 8.60% | 11.34% | 13.10% | Beats 77% | 23 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.28% | 57.09% | 69.84% | 82.47% | 9th pctl | 89 / 98 | | |
| Loans / Assets | 36.99% | 49.34% | 58.31% | 68.94% | 8th pctl | 90 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |