Denison State Bank, The
Holton, KS · Cert 15305 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Denison Bancshares Inc. Holton
State charter, non-member · FDIC · 5 branches
Q2 2026
$453.6MAssets
$303.7MLoans
$369.3MDeposits
$74.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 91% of banks under $1B in assets operating in a single state (rank 70 of 746).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets operating in a single state (rank 719 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.60%
Rank 138 of 746
Net Interest Margin
3.95%
Rank 272 of 746
Efficiency Ratio
48.86%
Rank 94 of 746
Equity / Assets
16.49%
Rank 70 of 746
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 82% | 138 / 746 | | |
| Return on Equity | 9.71% | 6.74% | 10.51% | 13.63% | Beats 44% | 417 / 746 | | |
| Net Interest Margin | 3.95% | 3.17% | 3.68% | 4.16% | Beats 64% | 272 / 746 | | |
| Efficiency Ratio | 48.86% | 55.74% | 64.58% | 75.47% | Beats 88% | 94 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.09% | 0.42% | 1.07% | Beats 25% | 559 / 743 | | |
| Net Charge-Offs / Loans | 0.42% | 0.00% | 0.01% | 0.05% | Beats 3% | 719 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.53% | 11.55% | 13.75% | 17.60% | Beats 75% | 190 / 746 | | |
| Total Risk-Based Capital Ratio | 17.53% | 11.71% | 14.33% | 18.43% | Beats 71% | 215 / 746 | | |
| Equity / Assets | 16.49% | 8.90% | 10.51% | 13.06% | Beats 91% | 70 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.24% | 61.31% | 78.27% | 90.78% | 58th pctl | 312 / 746 | | |
| Loans / Assets | 66.97% | 53.60% | 66.97% | 76.08% | 50th pctl | 373 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |