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
Unfavorable gap of $762K · efficiency ratio beats 26% 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 | 1.18% | 1.03% | 1.24% | 1.54% | Beats 45% | 54 / 98 | | |
| Return on Equity | 6.63% | 8.85% | 11.58% | 14.73% | Beats 12% | 86 / 98 | | |
| Net Interest Margin | 2.52% | 3.24% | 3.62% | 3.91% | Beats 0% | 98 / 98 | | |
| Efficiency Ratio | 64.74% | 51.87% | 58.88% | 64.74% | Beats 26% | 74 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.01% | 0.33% | 1.05% | Beats 48% | 52 / 98 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.03% | Beats 22% | 77 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 32.77% | 11.81% | 13.71% | 17.33% | Beats 96% | 4 / 98 | | |
| Total Risk-Based Capital Ratio | 34.02% | 11.81% | 14.13% | 17.45% | Beats 96% | 4 / 98 | | |
| Equity / Assets | 17.82% | 8.60% | 11.34% | 13.10% | Beats 89% | 11 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.02% | 57.09% | 69.84% | 82.47% | 23rd pctl | 75 / 98 | | |
| Loans / Assets | 46.54% | 49.34% | 58.31% | 68.94% | 19th pctl | 79 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |