Peoples State Bank
Cherryvale, KS · Cert 16744 · Peer group: banks under $1B in assets in KS (n=98) · First Howard Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$23.5MAssets
$20.7MLoans
$17.4MDeposits
$4.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: nonperforming loans / loans trails 51% of banks under $1B in assets in KS (rank 51 of 98).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.36%
Rank 3 of 98
Net Interest Margin
5.27%
Rank 2 of 98
Efficiency Ratio
49.35%
Rank 16 of 98
Equity / Assets
20.20%
Rank 7 of 98
Non-interest income vs. expense
Unfavorable gap of $554K · efficiency ratio beats 85% 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 | 2.36% | 1.03% | 1.24% | 1.54% | Beats 97% | 3 / 98 | | |
| Return on Equity | 11.68% | 8.85% | 11.58% | 14.73% | Beats 53% | 46 / 98 | | |
| Net Interest Margin | 5.27% | 3.24% | 3.62% | 3.91% | Beats 98% | 2 / 98 | | |
| Efficiency Ratio | 49.35% | 51.87% | 58.88% | 64.74% | Beats 85% | 16 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.01% | 0.33% | 1.05% | Beats 49% | 51 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 19.83% | 11.81% | 13.71% | 17.33% | Beats 85% | 15 / 98 | | |
| Total Risk-Based Capital Ratio | 19.83% | 11.81% | 14.13% | 17.45% | Beats 82% | 18 / 98 | | |
| Equity / Assets | 20.20% | 8.60% | 11.34% | 13.10% | Beats 93% | 7 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 118.87% | 57.09% | 69.84% | 82.47% | 99th pctl | 1 / 98 | | |
| Loans / Assets | 88.13% | 49.34% | 58.31% | 68.94% | 98th pctl | 2 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |