State Exchange Bank, The
Mankato, KS · Cert 17375 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 1 branch
Q2 2026
$50.9MAssets
$17.1MLoans
$46.5MDeposits
$4.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 60% of banks under $1B in assets in KS (rank 39 of 98).
- Widest gap: net interest margin trails 86% of banks under $1B in assets in KS (rank 84 of 98).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.01%
Rank 76 of 98
Net Interest Margin
3.07%
Rank 84 of 98
Efficiency Ratio
64.42%
Rank 71 of 98
Equity / Assets
8.15%
Rank 81 of 98
Non-interest income vs. expense
Unfavorable gap of $904K · efficiency ratio beats 29% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 1.03% | 1.24% | 1.54% | Beats 22% | 76 / 98 | |
| Return on Equity | 12.42% | 8.85% | 11.58% | 14.73% | Beats 60% | 39 / 98 | |
| Net Interest Margin | 3.07% | 3.24% | 3.62% | 3.91% | Beats 14% | 84 / 98 | |
| Efficiency Ratio | 64.42% | 51.87% | 58.88% | 64.74% | Beats 29% | 71 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.85% | 0.01% | 0.33% | 1.05% | Beats 16% | 83 / 98 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.03% | Beats 19% | 80 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 12.25% | 11.81% | 13.71% | 17.33% | Beats 31% | 68 / 98 | |
| Total Risk-Based Capital Ratio | 12.25% | 11.81% | 14.13% | 17.45% | Beats 28% | 71 / 98 | |
| Equity / Assets | 8.15% | 8.60% | 11.34% | 13.10% | Beats 17% | 81 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 36.70% | 57.09% | 69.84% | 82.47% | 3rd pctl | 95 / 98 | |
| Loans / Assets | 33.57% | 49.34% | 58.31% | 68.94% | 6th pctl | 92 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |