City State Bank, The
Fort Scott, KS · Cert 17607 · Peer group: banks under $1B in assets in KS (n=97) · City Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$57.7MAssets
$38.5MLoans
$52.7MDeposits
$4.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 97).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in KS (rank 97 of 97).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.27%
Rank 45 of 97
Net Interest Margin
3.67%
Rank 41 of 97
Efficiency Ratio
59.60%
Rank 56 of 97
Equity / Assets
8.17%
Rank 79 of 97
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 43% 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 | 1.27% | 1.03% | 1.23% | 1.54% | Beats 54% | 45 / 97 | |
| Return on Equity | 15.57% | 8.85% | 11.53% | 14.73% | Beats 77% | 22 / 97 | |
| Net Interest Margin | 3.67% | 3.24% | 3.62% | 3.91% | Beats 58% | 41 / 97 | |
| Efficiency Ratio | 59.60% | 52.19% | 58.88% | 64.74% | Beats 43% | 56 / 97 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 97 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 97 | |
| Capital |
| Tier 1 Capital Ratio | 8.92% | 11.81% | 13.71% | 17.33% | Beats 0% | 97 / 97 | |
| Total Risk-Based Capital Ratio | 8.92% | 11.81% | 14.13% | 17.45% | Beats 0% | 97 / 97 | |
| Equity / Assets | 8.17% | 8.60% | 11.33% | 13.10% | Beats 19% | 79 / 97 | |
| Liquidity & Funding |
| Loans / Deposits | 73.08% | 57.09% | 69.84% | 82.47% | 56th pctl | 43 / 97 | |
| Loans / Assets | 66.86% | 49.34% | 58.25% | 68.94% | 67th pctl | 32 / 97 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |