Larned, KS · Cert 15899 · First State Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
45
Asset Quality
71
Profitability
56
Liquidity
58
Efficiency
80
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.
Larned, KS · Cert 15899 · First State Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #69 of 114 inst. · $0.1B of $99.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.60% | 1.41% | 1.42% | 1.55% | 1.55% | 1.46% | 1.64% | +22 bps | |
| Return on Equity | 14.92% | 14.31% | 12.38% | 12.43% | 12.81% | 12.55% | 10.73% | 12.57% | +13 bps | |
| Net Interest Margin | 3.21% | 3.64% | 3.66% | 3.91% | 3.68% | 3.78% | 3.79% | 3.45% | -46 bps | |
| Efficiency Ratio | 48.90% | 48.44% | 52.99% | 51.27% | 47.72% | 47.88% | 53.19% | 50.24% | -103 bps | |
| Non-Interest Burden | 1.47% | 1.65% | 1.85% | 1.89% | 1.64% | 1.69% | 1.93% | 1.64% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 19.00% | -2.76% | 22.11% | 1.87% | -6.56% | -0.78% | 7.81% | -1,430 bps | |
| Loan Growth (YoY) | 5.13% | 7.94% | 4.82% | 1.20% | 9.38% | 9.24% | 12.12% | 14.98% | +1,378 bps | |
| Deposit Growth (YoY) | -0.92% | 22.88% | 0.46% | 30.25% | -1.41% | -15.75% | -8.04% | 2.86% | -2,739 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.47% | +47 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.64% | 1.65% | 1.69% | 1.72% | 1.66% | 1.59% | 1.58% | 1.64% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.5x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 13.68% | 12.91% | 14.55% | 13.82% | 14.54% | 14.30% | 12.76% | -179 bps | |
| Total Risk-Based Capital | 11.93% | 13.68% | 12.91% | 14.55% | 13.82% | 14.54% | 14.30% | 12.76% | -179 bps | |
| Equity / Assets | 12.89% | 10.51% | 12.32% | 11.55% | 14.44% | 13.16% | 14.04% | 12.11% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.63% | 53.49% | 60.71% | 52.98% | 78.36% | 69.35% | 74.02% | 59.23% | +625 bps | |
| Liquid Assets / Assets | 11.51% | 27.93% | 18.58% | 30.04% | 11.99% | 17.36% | 15.00% | 29.26% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.40% | 143.33% | 152.67% | n/a | n/a | |
Larned, KS · Cert 15899 · Peer group: banks under $1B in assets in KS (n=98) · First State Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.48%
Rank 30 of 98
Net Interest Margin
3.45%
Rank 60 of 98
Efficiency Ratio
50.24%
Rank 21 of 98
Equity / Assets
12.11%
Rank 37 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 1.03% | 1.24% | 1.54% | Beats 69% | 30 / 98 | ||
| Return on Equity | 12.22% | 8.85% | 11.58% | 14.73% | Beats 59% | 40 / 98 | ||
| Net Interest Margin | 3.45% | 3.24% | 3.62% | 3.91% | Beats 39% | 60 / 98 | ||
| Efficiency Ratio | 50.24% | 51.87% | 58.88% | 64.74% | Beats 80% | 21 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.01% | 0.33% | 1.05% | Beats 41% | 59 / 98 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 11.81% | 13.71% | 17.33% | Beats 39% | 60 / 98 | ||
| Total Risk-Based Capital Ratio | 12.76% | 11.81% | 14.13% | 17.45% | Beats 34% | 65 / 98 | ||
| Equity / Assets | 12.11% | 8.60% | 11.34% | 13.10% | Beats 62% | 37 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.23% | 57.09% | 69.84% | 82.47% | 32nd pctl | 67 / 98 | ||
| Loans / Assets | 46.19% | 49.34% | 58.31% | 68.94% | 18th pctl | 80 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||