Riley State Bank of Riley Kansas, The
Riley, KS · Cert 16120 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riley County Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$132.0MAssets
$89.3MLoans
$115.2MDeposits
$13.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 650 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.13%
Rank 331 of 746
Net Interest Margin
3.55%
Rank 422 of 746
Efficiency Ratio
57.62%
Rank 235 of 746
Equity / Assets
10.05%
Rank 421 of 746
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 56% | 331 / 746 | | |
| Return on Equity | 11.26% | 6.74% | 10.51% | 13.63% | Beats 57% | 318 / 746 | | |
| Net Interest Margin | 3.55% | 3.17% | 3.68% | 4.16% | Beats 43% | 422 / 746 | | |
| Efficiency Ratio | 57.62% | 55.74% | 64.58% | 75.47% | Beats 69% | 235 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 72% | 212 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.51% | 11.55% | 13.75% | 17.60% | Beats 14% | 640 / 746 | | |
| Total Risk-Based Capital Ratio | 10.51% | 11.71% | 14.33% | 18.43% | Beats 13% | 650 / 746 | | |
| Equity / Assets | 10.05% | 8.90% | 10.51% | 13.06% | Beats 44% | 421 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.52% | 61.31% | 78.27% | 90.78% | 49th pctl | 380 / 746 | | |
| Loans / Assets | 67.70% | 53.60% | 66.97% | 76.08% | 52nd pctl | 359 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |