Haviland State Bank, The
Haviland, KS · Cert 17403 · Peer group: banks under $1B in assets in KS (n=99)
FDIC · 2 branches
Q3 2025
$47.8MAssets
$34.2MLoans
$40.3MDeposits
$3.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 19 of 99).
- Widest gap: equity / assets trails 87% of banks under $1B in assets in KS (rank 86 of 99).
- Overall: at or above the peer median on 6 of 10 directional measures.
Return on Assets
1.50%
Rank 21 of 99
Net Interest Margin
4.03%
Rank 16 of 99
Efficiency Ratio
55.03%
Rank 26 of 99
Equity / Assets
7.47%
Rank 86 of 99
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 75% 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 | 1.50% | 0.87% | 1.13% | 1.43% | Beats 79% | 21 / 99 | |
| Return on Equity | 20.03% | 7.87% | 10.19% | 12.93% | Beats 95% | 5 / 99 | |
| Net Interest Margin | 4.03% | 3.10% | 3.38% | 3.79% | Beats 84% | 16 / 99 | |
| Efficiency Ratio | 55.03% | 54.83% | 62.08% | 66.71% | Beats 75% | 26 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.41% | 0.89% | Beats 100% | 19 / 99 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.02% | 0.06% | Beats 100% | 31 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 11.19% | 11.56% | 13.82% | 17.97% | Beats 21% | 78 / 99 | |
| Total Risk-Based Capital Ratio | 12.39% | 11.94% | 14.12% | 18.26% | Beats 26% | 73 / 99 | |
| Equity / Assets | 7.47% | 8.30% | 10.85% | 13.75% | Beats 13% | 86 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 84.89% | 54.78% | 71.78% | 83.78% | 76th pctl | 24 / 99 | |
| Loans / Assets | 71.64% | 48.58% | 60.54% | 67.75% | 82nd pctl | 18 / 99 | |
| Brokered Deposits / Deposits | 7.44% | n/a | n/a | 2.62% | Beats 15% | 85 / 99 | |