Fusion Bank
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
$281.0MAssets
$129.8MLoans
$219.1MDeposits
$34.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets in KS (rank 65 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 80% 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 | 1.48% | 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 |