Great American Bank
Lawrence, KS · Cert 35292 · Peer group: banks under $1B in assets (n=581-629) · First Financial Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$513.2MAssets
$431.9MLoans
$421.3MDeposits
$70.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets (rank 513 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.37%
Rank 56 of 629
Net Interest Margin
4.86%
Rank 37 of 629
Efficiency Ratio
39.56%
Rank 25 of 629
Equity / Assets
13.63%
Rank 164 of 629
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 96% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.37% | 0.60% | 1.01% | 1.45% | Beats 91% | 56 / 629 | | |
| Return on Equity | 17.38% | 5.38% | 9.30% | 13.28% | Beats 90% | 65 / 629 | | |
| Net Interest Margin | 4.86% | 3.03% | 3.54% | 4.05% | Beats 94% | 37 / 629 | | |
| Efficiency Ratio | 39.56% | 58.35% | 67.79% | 79.08% | Beats 96% | 25 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 73% | 160 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.24% | 13.84% | 18.77% | Beats 22% | 492 / 629 | | |
| Total Risk-Based Capital Ratio | 10.97% | 11.58% | 14.43% | 19.66% | Beats 18% | 513 / 629 | | |
| Equity / Assets | 13.63% | 9.09% | 10.65% | 13.80% | Beats 74% | 164 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.53% | 67.24% | 80.90% | 93.48% | 89th pctl | 63 / 594 | | |
| Loans / Assets | 84.16% | 53.31% | 67.71% | 78.15% | 90th pctl | 64 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |