Bank of the Plains
Plains, KS · Cert 18118 · Peer group: banks under $1B in assets in KS (n=98) · Plains Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$445.6MAssets
$317.9MLoans
$390.5MDeposits
$43.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 90% of banks under $1B in assets in KS (rank 10 of 98).
- Widest gap: tier 1 capital ratio trails 74% of banks under $1B in assets in KS (rank 73 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.77%
Rank 10 of 98
Net Interest Margin
4.22%
Rank 18 of 98
Efficiency Ratio
54.38%
Rank 34 of 98
Equity / Assets
9.84%
Rank 59 of 98
Non-interest income vs. expense
Unfavorable gap of $7.7M · efficiency ratio beats 66% 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 | 1.77% | 1.03% | 1.24% | 1.54% | Beats 90% | 10 / 98 | | |
| Return on Equity | 18.03% | 8.85% | 11.58% | 14.73% | Beats 90% | 10 / 98 | | |
| Net Interest Margin | 4.22% | 3.24% | 3.62% | 3.91% | Beats 82% | 18 / 98 | | |
| Efficiency Ratio | 54.38% | 51.87% | 58.88% | 64.74% | Beats 66% | 34 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.01% | 0.33% | 1.05% | Beats 44% | 56 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 54% | 46 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 11.81% | 13.71% | 17.33% | Beats 26% | 73 / 98 | | |
| Total Risk-Based Capital Ratio | 13.10% | 11.81% | 14.13% | 17.45% | Beats 40% | 59 / 98 | | |
| Equity / Assets | 9.84% | 8.60% | 11.34% | 13.10% | Beats 40% | 59 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.42% | 57.09% | 69.84% | 82.47% | 73rd pctl | 26 / 98 | | |
| Loans / Assets | 71.35% | 49.34% | 58.31% | 68.94% | 84th pctl | 16 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |