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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