Halstead Bank, The
Halstead, KS · Cert 17451 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Williams Holding Co. Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$205.9MAssets
$145.0MLoans
$187.7MDeposits
$17.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 3 of 20).
- Widest gap: equity / assets trails 70% of banks under $1B in assets in the Wichita, KS area (rank 14 of 20).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.33%
Rank 6 of 20
Net Interest Margin
4.28%
Rank 3 of 20
Efficiency Ratio
59.34%
Rank 6 of 20
Equity / Assets
8.45%
Rank 14 of 20
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 75% 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 | 1.33% | 0.80% | 1.20% | 1.35% | Beats 70% | 6 / 20 | | |
| Return on Equity | 15.77% | 9.43% | 12.85% | 15.78% | Beats 70% | 6 / 20 | | |
| Net Interest Margin | 4.28% | 3.71% | 4.04% | 4.23% | Beats 85% | 3 / 20 | | |
| Efficiency Ratio | 59.34% | 59.34% | 65.86% | 71.92% | Beats 75% | 6 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.06% | 0.64% | 1.17% | Beats 60% | 9 / 20 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.02% | 0.09% | Beats 65% | 8 / 20 | | |
| Capital |
| Tier 1 Capital Ratio | 11.32% | 11.10% | 11.73% | 15.56% | Beats 40% | 12 / 20 | | |
| Total Risk-Based Capital Ratio | 12.57% | 11.80% | 12.57% | 16.49% | Beats 50% | 10 / 20 | | |
| Equity / Assets | 8.45% | 8.39% | 8.81% | 11.24% | Beats 30% | 14 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.26% | 62.67% | 77.26% | 93.25% | 50th pctl | 10 / 20 | | |
| Loans / Assets | 70.43% | 54.38% | 67.74% | 81.71% | 60th pctl | 8 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |