First Bank Kansas
Salina, KS · Cert 18431 · Peer group: banks under $1B in assets in KS (n=98) · Ottawa Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 8 branches (14 in holding)
Q2 2026
$618.5MAssets
$420.1MLoans
$561.6MDeposits
$49.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets in KS (rank 1 of 98).
- Widest gap: equity / assets trails 85% of banks under $1B in assets in KS (rank 83 of 98).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
3.07%
Rank 1 of 98
Net Interest Margin
4.49%
Rank 7 of 98
Efficiency Ratio
54.26%
Rank 32 of 98
Equity / Assets
7.92%
Rank 83 of 98
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 68% 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 | 3.07% | 1.03% | 1.24% | 1.54% | Beats 99% | 1 / 98 | | |
| Return on Equity | 38.74% | 8.85% | 11.58% | 14.73% | Beats 99% | 1 / 98 | | |
| Net Interest Margin | 4.49% | 3.24% | 3.62% | 3.91% | Beats 93% | 7 / 98 | | |
| Efficiency Ratio | 54.26% | 51.87% | 58.88% | 64.74% | Beats 68% | 32 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.01% | 0.33% | 1.05% | Beats 73% | 27 / 98 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 31% | 69 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.81% | 13.71% | 17.33% | Beats 41% | 58 / 98 | | |
| Total Risk-Based Capital Ratio | 14.14% | 11.81% | 14.13% | 17.45% | Beats 51% | 48 / 98 | | |
| Equity / Assets | 7.92% | 8.60% | 11.34% | 13.10% | Beats 15% | 83 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.80% | 57.09% | 69.84% | 82.47% | 58th pctl | 41 / 98 | | |
| Loans / Assets | 67.92% | 49.34% | 58.31% | 68.94% | 72nd pctl | 27 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |