KS Statebank
Manhattan, KS · Cert 19899 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Manhattan Banking Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$2.6BAssets
$2.0BLoans
$2.2BDeposits
$342.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks $1B-$10B in assets operating regionally (rank 7 of 176).
- Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets operating regionally (rank 169 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.58%
Rank 40 of 176
Net Interest Margin
3.32%
Rank 126 of 176
Efficiency Ratio
38.79%
Rank 7 of 176
Equity / Assets
13.17%
Rank 21 of 176
Non-interest income vs. expense
Unfavorable gap of $31.0M · efficiency ratio beats 97% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.93% | 1.26% | 1.54% | Beats 77% | 40 / 176 | | |
| Return on Equity | 12.00% | 9.26% | 11.89% | 14.46% | Beats 51% | 87 / 176 | | |
| Net Interest Margin | 3.32% | 3.25% | 3.59% | 3.93% | Beats 28% | 126 / 176 | | |
| Efficiency Ratio | 38.79% | 52.79% | 59.55% | 67.66% | Beats 97% | 7 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.49% | 0.30% | 0.64% | 1.32% | Beats 5% | 169 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 60% | 72 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.97% | 11.15% | 12.72% | 14.15% | Beats 53% | 82 / 176 | | |
| Total Risk-Based Capital Ratio | 12.97% | 11.81% | 13.63% | 15.33% | Beats 40% | 106 / 176 | | |
| Equity / Assets | 13.17% | 9.16% | 10.35% | 11.80% | Beats 88% | 21 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.56% | 80.94% | 89.73% | 97.21% | 68th pctl | 57 / 176 | | |
| Loans / Assets | 78.93% | 69.25% | 75.12% | 80.82% | 67th pctl | 58 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |