PackageTrendsPeer
Letter portraitLegal landscape

First State Bank of Ransom, The

Ransom, KS · Cert 15469 · West 4 Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First State Bank of Ransom, The

Ransom, KS · Cert 15469 · West 4 Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$48.9MAssets
$22.8MLoans
$39.9MDeposits
$8.7MEquity
Loan mix
56%RE $6.8M41%C&I $5.0M3%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $32.2M19%Noninterest $7.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.19%, up 51 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.34% of loans (-7 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 20.06%, down 116 bps from a year ago.
  • Funding: loans stand at 57.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+3 bps YoY

Efficiency Ratio (YTD, annualized)

64.74%-244 bps YoY

Tier 1 Leverage Ratio

20.06%-116 bps YoY

NIM

3.99%Q2 ’243.99%Q2 ’253.89%Q2 ’26+10%+1%

Non-interest income vs. expense

1.79%Q2 ’241.87%Q2 ’251.80%Q2 ’26+6%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.58%0.73%0.68%0.71%0.65%0.86%1.19%+51 bps
Return on Equity3.72%3.44%4.30%4.02%4.16%3.76%4.79%6.64%+263 bps
Net Interest Margin2.24%2.19%2.40%2.48%2.46%2.49%2.44%2.52%+3 bps
Efficiency Ratio71.44%74.13%70.35%67.18%66.50%71.65%68.47%64.74%-244 bps
Non-Interest Burden1.51%1.54%1.59%1.57%1.53%1.70%1.58%1.53%-3 bps
Growth
Asset Growth (YoY)-0.43%-5.15%-1.40%4.69%2.97%3.04%1.14%0.98%-371 bps
Loan Growth (YoY)-3.37%4.39%4.94%17.52%14.26%15.26%11.74%4.18%-1,334 bps
Deposit Growth (YoY)-3.69%-6.01%-2.43%4.57%3.47%1.38%-0.10%0.09%-448 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.33%0.32%0.41%0.42%0.41%0.56%0.34%-7 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.02%-0.01%-0.02%-0.01%0.02%0.07%+8 bps
Allowance / Loans2.17%2.20%2.15%1.94%2.11%2.12%2.12%1.88%-6 bps
Allowance Coverage of NPLs5.4x6.6x6.7x4.7x5.0x5.1x3.8x5.6x+0.8x
Capital
Tier 1 Leverage Ratio21.88%20.77%21.26%21.21%20.32%20.61%20.22%20.06%-116 bps
Total Risk-Based Capital39.19%38.58%38.16%34.79%35.52%36.05%35.98%34.02%-77 bps
Equity / Assets18.02%16.81%16.98%17.17%17.65%18.07%17.86%17.82%+65 bps
Liquidity & Funding
Loans / Deposits46.89%46.57%46.25%54.78%51.78%52.95%51.73%57.02%+224 bps
Liquid Assets / Assets0.00%1.06%1.02%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a2.45%2.27%2.09%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First State Bank of Ransom, The

Ransom, KS · Cert 15469 · Peer group: banks under $1B in assets in KS (n=98) · West 4 Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$48.9MAssets
$22.8MLoans
$39.9MDeposits
$8.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in KS (rank 4 of 98).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in KS (rank 98 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.18%

Rank 54 of 98

Net Interest Margin

2.52%

Rank 98 of 98

Efficiency Ratio

64.74%

Rank 74 of 98

Equity / Assets

17.82%

Rank 11 of 98

Non-interest income vs. expense

$134K$896KINCOMEEXPENSE
Unfavorable gap of $762K · efficiency ratio beats 26% of banks under $1B in assets in KS
Bank 64.74%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.18%1.03%1.24%1.54%Beats 45%54 / 98
Return on Equity6.63%8.85%11.58%14.73%Beats 12%86 / 98
Net Interest Margin2.52%3.24%3.62%3.91%Beats 0%98 / 98
Efficiency Ratio64.74%51.87%58.88%64.74%Beats 26%74 / 98
Asset Quality
Nonperforming Loans / Loans0.34%0.01%0.33%1.05%Beats 48%52 / 98
Net Charge-Offs / Loans0.04%n/a0.00%0.03%Beats 22%77 / 98
Capital
Tier 1 Capital Ratio32.77%11.81%13.71%17.33%Beats 96%4 / 98
Total Risk-Based Capital Ratio34.02%11.81%14.13%17.45%Beats 96%4 / 98
Equity / Assets17.82%8.60%11.34%13.10%Beats 89%11 / 98
Liquidity & Funding
Loans / Deposits57.02%57.09%69.84%82.47%23rd pctl75 / 98
Loans / Assets46.54%49.34%58.31%68.94%19th pctl79 / 98
Brokered Deposits / Depositsn/aNot reported for this institution