Impact Bank
Wellington, KS · Cert 17399 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · First Financial Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
$167.2MAssets
$100.3MLoans
$153.0MDeposits
$12.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 3 of 20).
- Widest gap: equity / assets trails 90% of banks under $1B in assets in the Wichita, KS area (rank 18 of 20).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.35%
Rank 5 of 20
Net Interest Margin
3.30%
Rank 17 of 20
Efficiency Ratio
54.37%
Rank 4 of 20
Equity / Assets
7.69%
Rank 18 of 20
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 85% of banks under $1B in assets in the Wichita, KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.80% | 1.20% | 1.35% | Beats 75% | 5 / 20 | | |
| Return on Equity | 17.54% | 9.43% | 12.85% | 15.78% | Beats 85% | 3 / 20 | | |
| Net Interest Margin | 3.30% | 3.71% | 4.04% | 4.23% | Beats 15% | 17 / 20 | | |
| Efficiency Ratio | 54.37% | 59.34% | 65.86% | 71.92% | Beats 85% | 4 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.06% | 0.64% | 1.17% | Beats 80% | 5 / 20 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.02% | 0.09% | Beats 45% | 12 / 20 | | |
| Capital |
| Tier 1 Capital Ratio | 15.40% | 11.10% | 11.73% | 15.56% | Beats 70% | 6 / 20 | | |
| Total Risk-Based Capital Ratio | 16.49% | 11.80% | 12.57% | 16.49% | Beats 75% | 5 / 20 | | |
| Equity / Assets | 7.69% | 8.39% | 8.81% | 11.24% | Beats 10% | 18 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.54% | 62.67% | 77.26% | 93.25% | 35th pctl | 13 / 20 | | |
| Loans / Assets | 59.95% | 54.38% | 67.74% | 81.71% | 35th pctl | 13 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |