City State Bank, The
Fort Scott, KS · Cert 17607 · Peer group: banks under $1B in assets in KS (n=98) · 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 98).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in KS (rank 98 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.27%
Rank 46 of 98
Net Interest Margin
3.67%
Rank 42 of 98
Efficiency Ratio
59.60%
Rank 57 of 98
Equity / Assets
8.17%
Rank 80 of 98
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% | 1.24% | 1.54% | Beats 53% | 46 / 98 | |
| Return on Equity | 15.57% | 8.85% | 11.58% | 14.73% | Beats 78% | 22 / 98 | |
| Net Interest Margin | 3.67% | 3.24% | 3.62% | 3.91% | Beats 57% | 42 / 98 | |
| Efficiency Ratio | 59.60% | 51.87% | 58.88% | 64.74% | Beats 43% | 57 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 8.92% | 11.81% | 13.71% | 17.33% | Beats 0% | 98 / 98 | |
| Total Risk-Based Capital Ratio | 8.92% | 11.81% | 14.13% | 17.45% | Beats 0% | 98 / 98 | |
| Equity / Assets | 8.17% | 8.60% | 11.34% | 13.10% | Beats 18% | 80 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 73.08% | 57.09% | 69.84% | 82.47% | 56th pctl | 43 / 98 | |
| Loans / Assets | 66.86% | 49.34% | 58.31% | 68.94% | 67th pctl | 32 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |