Kansas State Bank
Overbrook, KS · Cert 1865 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
$101.2MAssets
$61.2MLoans
$83.9MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks under $1B in assets operating in a single state (rank 67 of 746).
- Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets operating in a single state (rank 566 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.37%
Rank 222 of 746
Net Interest Margin
3.76%
Rank 346 of 746
Efficiency Ratio
46.62%
Rank 67 of 746
Equity / Assets
11.29%
Rank 296 of 746
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.72% | 1.06% | 1.45% | Beats 70% | 222 / 746 | |
| Return on Equity | 12.14% | 6.74% | 10.51% | 13.63% | Beats 64% | 266 / 746 | |
| Net Interest Margin | 3.76% | 3.17% | 3.68% | 4.16% | Beats 54% | 346 / 746 | |
| Efficiency Ratio | 46.62% | 55.74% | 64.58% | 75.47% | Beats 91% | 67 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.42% | 1.07% | Beats 37% | 466 / 743 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 24% | 566 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.17% | 11.55% | 13.75% | 17.60% | Beats 44% | 419 / 746 | |
| Total Risk-Based Capital Ratio | 13.17% | 11.71% | 14.33% | 18.43% | Beats 39% | 453 / 746 | |
| Equity / Assets | 11.29% | 8.90% | 10.51% | 13.06% | Beats 60% | 296 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 73.03% | 61.31% | 78.27% | 90.78% | 40th pctl | 445 / 746 | |
| Loans / Assets | 60.51% | 53.60% | 66.97% | 76.08% | 36th pctl | 477 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |