Tricentury Bank
De Soto, KS · Cert 18109 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Astra Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$213.8MAssets
$178.9MLoans
$135.1MDeposits
$22.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in the Kansas City, MO-KS area (rank 33 of 40).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.63%
Rank 14 of 40
Net Interest Margin
3.76%
Rank 25 of 40
Efficiency Ratio
42.54%
Rank 4 of 40
Equity / Assets
10.71%
Rank 17 of 40
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 92% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 1.02% | 1.39% | 1.86% | Beats 65% | 14 / 40 | | |
| Return on Equity | 15.24% | 10.74% | 14.78% | 21.32% | Beats 57% | 17 / 40 | | |
| Net Interest Margin | 3.76% | 3.33% | 4.05% | 4.63% | Beats 38% | 25 / 40 | | |
| Efficiency Ratio | 42.54% | 51.70% | 58.10% | 69.29% | Beats 92% | 4 / 40 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.20% | 1.11% | Beats 100% | 8 / 39 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | | |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 11.32% | 12.27% | 16.94% | Beats 20% | 32 / 40 | | |
| Total Risk-Based Capital Ratio | 10.76% | 11.32% | 13.09% | 17.63% | Beats 18% | 33 / 40 | | |
| Equity / Assets | 10.71% | 8.41% | 10.10% | 12.34% | Beats 57% | 17 / 40 | | |
| Liquidity & Funding |
| Loans / Deposits | 132.42% | 73.50% | 85.60% | 94.85% | 95th pctl | 2 / 40 | | |
| Loans / Assets | 83.67% | 62.75% | 69.87% | 79.23% | 83rd pctl | 7 / 40 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |