Community State Bank
Coffeyville, KS · Cert 19749 · Peer group: banks under $1B in assets in KS (n=112)
FDIC · 1 branch
Q2 2024
$182.0MAssets
$87.3MLoans
$166.9MDeposits
$14.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 31 of 112).
- Widest gap: return on assets trails 91% of banks under $1B in assets in KS (rank 102 of 112).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.39%
Rank 102 of 112
Net Interest Margin
2.70%
Rank 89 of 112
Efficiency Ratio
76.18%
Rank 87 of 112
Equity / Assets
7.83%
Rank 78 of 112
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 23% 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 | 0.39% | 0.67% | 0.95% | 1.37% | Beats 9% | 102 / 112 | n/a | |
| Return on Equity | 5.01% | 6.54% | 9.65% | 14.21% | Beats 15% | 95 / 112 | n/a | |
| Net Interest Margin | 2.70% | 2.80% | 3.20% | 3.61% | Beats 21% | 89 / 112 | n/a | |
| Efficiency Ratio | 76.18% | 55.88% | 65.47% | 75.12% | Beats 23% | 87 / 112 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | n/a | 0.19% | 0.73% | Beats 100% | 31 / 112 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 45 / 112 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 10.26% | 11.86% | 13.49% | 17.55% | Beats 13% | 98 / 112 | n/a | |
| Total Risk-Based Capital Ratio | 10.26% | 11.93% | 14.17% | 18.27% | Beats 12% | 99 / 112 | n/a | |
| Equity / Assets | 7.83% | 7.43% | 9.66% | 12.20% | Beats 30% | 78 / 112 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 52.32% | 56.14% | 70.88% | 82.32% | 20th pctl | 90 / 112 | n/a | |
| Loans / Assets | 47.96% | 48.38% | 57.96% | 68.03% | 22nd pctl | 87 / 112 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |