Corefirst Bank & Trust
Topeka, KS · Cert 18100 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commerce B&T Holding Employee STK Ownership Plan
State charter, non-member · FDIC · 13 branches
Q2 2026
$1.3BAssets
$890.8MLoans
$1.1BDeposits
$76.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks $1B-$10B in assets operating regionally (rank 6 of 176).
- Widest gap: equity / assets trails 100% of banks $1B-$10B in assets operating regionally (rank 176 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.29%
Rank 81 of 176
Net Interest Margin
3.56%
Rank 92 of 176
Efficiency Ratio
64.31%
Rank 117 of 176
Equity / Assets
6.11%
Rank 176 of 176
Non-interest income vs. expense
Unfavorable gap of $23.4M · efficiency ratio beats 34% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.93% | 1.26% | 1.54% | Beats 54% | 81 / 176 | | |
| Return on Equity | 21.11% | 9.26% | 11.89% | 14.46% | Beats 97% | 6 / 176 | | |
| Net Interest Margin | 3.56% | 3.25% | 3.59% | 3.93% | Beats 48% | 92 / 176 | | |
| Efficiency Ratio | 64.31% | 52.79% | 59.55% | 67.66% | Beats 34% | 117 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.30% | 0.64% | 1.32% | Beats 85% | 28 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 27% | 130 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 11.15% | 12.72% | 14.15% | Beats 37% | 111 / 176 | | |
| Total Risk-Based Capital Ratio | 12.81% | 11.81% | 13.63% | 15.33% | Beats 36% | 112 / 176 | | |
| Equity / Assets | 6.11% | 9.16% | 10.35% | 11.80% | Beats 0% | 176 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.91% | 80.94% | 89.73% | 97.21% | 33rd pctl | 118 / 176 | | |
| Loans / Assets | 70.96% | 69.25% | 75.12% | 80.82% | 32nd pctl | 120 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |