Bank, The
Oberlin, KS · Cert 26522 · Peer group: banks under $1B in assets in KS (n=98) · Decatur Investment Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
$617.3MAssets
$377.6MLoans
$540.5MDeposits
$75.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 94% of banks under $1B in assets in KS (rank 6 of 98).
- Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets in KS (rank 91 of 98).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.98%
Rank 6 of 98
Net Interest Margin
4.24%
Rank 15 of 98
Efficiency Ratio
44.78%
Rank 8 of 98
Equity / Assets
12.18%
Rank 36 of 98
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 93% 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 | 1.98% | 1.03% | 1.24% | 1.54% | Beats 94% | 6 / 98 | | |
| Return on Equity | 16.25% | 8.85% | 11.58% | 14.73% | Beats 85% | 15 / 98 | | |
| Net Interest Margin | 4.24% | 3.24% | 3.62% | 3.91% | Beats 85% | 15 / 98 | | |
| Efficiency Ratio | 44.78% | 51.87% | 58.88% | 64.74% | Beats 93% | 8 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.45% | 0.01% | 0.33% | 1.05% | Beats 8% | 91 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 60% | 40 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 18.10% | 11.81% | 13.71% | 17.33% | Beats 78% | 22 / 98 | | |
| Total Risk-Based Capital Ratio | 19.35% | 11.81% | 14.13% | 17.45% | Beats 80% | 20 / 98 | | |
| Equity / Assets | 12.18% | 8.60% | 11.34% | 13.10% | Beats 63% | 36 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.85% | 57.09% | 69.84% | 82.47% | 51st pctl | 48 / 98 | | |
| Loans / Assets | 61.17% | 49.34% | 58.31% | 68.94% | 55th pctl | 44 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |