PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kansas State Bank

Overbrook, KS · Cert 1865

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.2MAssets
$61.2MLoans
$83.9MDeposits
$11.4MEquity
Loan mix
68%RE $27.1M24%C&I $9.6M7%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $67.6M19%Noninterest $16.2MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.69%Q2 ’255.65%Q2 ’26+7%+4%

Non-interest income vs. expense

2.12%Q2 ’242.42%Q2 ’251.37%Q2 ’26+16%-48%

Market Position · Topeka, KS · 2026 SOD (annual) · 1.2% share · #18 of 30 inst. · $0.1B of $7.1B

Executive Summary

  • Earnings: ROA of 1.95%, up 88 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.70% of loans (-13 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 13.17%, down 6 bps from a year ago.
  • Funding: loans stand at 73.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.95%+88 bps YoY

Net Interest Margin (quarter, annualized)

3.92%+13 bps YoY

Efficiency Ratio (quarter, annualized)

32.80%-2,663 bps YoY

Tier 1 Leverage Ratio

13.17%-6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.18%1.36%0.78%1.95%+88 bps
Return on Equity10.28%10.81%12.19%7.20%17.81%+753 bps
Net Interest Margin3.78%3.77%3.72%3.61%3.92%+13 bps
Efficiency Ratio59.44%56.46%56.63%61.60%32.80%-2,663 bps
Non-Interest Burden2.13%2.01%1.99%2.13%1.11%-102 bps
Growth
Asset Growth (YoY)3.14%7.92%10.54%11.27%8.70%+555 bps
Loan Growth (YoY)5.72%7.78%6.93%8.93%8.99%+328 bps
Deposit Growth (YoY)6.24%8.88%11.26%13.03%9.73%+348 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.84%0.86%0.83%0.70%-13 bps
Net Charge-Offs / Loans0.00%-0.04%0.06%0.00%0.22%+22 bps
Allowance / Loans2.95%3.06%3.17%3.06%2.85%-10 bps
Allowance Coverage of NPLs3.5x3.6x3.7x3.7x4.0x+0.5x
Capital
Tier 1 Leverage Ratio13.23%13.31%13.07%12.73%13.17%-6 bps
Total Risk-Based Capital19.81%13.31%13.07%12.73%13.17%-664 bps
Equity / Assets10.64%11.23%11.08%10.63%11.29%+65 bps
Liquidity & Funding
Loans / Deposits73.53%71.63%65.72%66.69%73.03%-49 bps
Liquid Assets / Assets1.35%2.17%2.19%2.36%1.13%-21 bps
CRE / Total Capitaln/a35.40%35.31%38.59%n/an/a