First State Bank of Healy, The
Healy, KS · Cert 17661 · Peer group: banks under $1B in assets in KS (n=98) · West 4 Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)
Q2 2026
$108.8MAssets
$66.3MLoans
$86.5MDeposits
$16.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: net interest margin trails 94% of banks under $1B in assets in KS (rank 92 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.13%
Rank 61 of 98
Net Interest Margin
2.96%
Rank 92 of 98
Efficiency Ratio
55.59%
Rank 38 of 98
Equity / Assets
14.87%
Rank 17 of 98
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 62% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 1.03% | 1.24% | 1.54% | Beats 38% | 61 / 98 | | |
| Return on Equity | 7.61% | 8.85% | 11.58% | 14.73% | Beats 15% | 83 / 98 | | |
| Net Interest Margin | 2.96% | 3.24% | 3.62% | 3.91% | Beats 6% | 92 / 98 | | |
| Efficiency Ratio | 55.59% | 51.87% | 58.88% | 64.74% | Beats 62% | 38 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.01% | 0.33% | 1.05% | Beats 28% | 72 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 16.77% | 11.81% | 13.71% | 17.33% | Beats 73% | 26 / 98 | | |
| Total Risk-Based Capital Ratio | 16.77% | 11.81% | 14.13% | 17.45% | Beats 66% | 33 / 98 | | |
| Equity / Assets | 14.87% | 8.60% | 11.34% | 13.10% | Beats 83% | 17 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.74% | 57.09% | 69.84% | 82.47% | 64th pctl | 35 / 98 | | |
| Loans / Assets | 60.97% | 49.34% | 58.31% | 68.94% | 53rd pctl | 46 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |