American Bank of Baxter Springs
Baxter Springs, KS · Cert 4624 · Peer group: banks under $1B in assets (n=581-629) · American Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$170.2MAssets
$104.0MLoans
$152.3MDeposits
$17.4MEquity
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 90% of banks under $1B in assets (rank 564 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.17%
Rank 251 of 629
Net Interest Margin
3.51%
Rank 323 of 629
Efficiency Ratio
61.39%
Rank 197 of 629
Equity / Assets
10.22%
Rank 361 of 629
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 69% 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 | 1.17% | 0.60% | 1.01% | 1.45% | Beats 60% | 251 / 629 | | |
| Return on Equity | 11.49% | 5.38% | 9.30% | 13.28% | Beats 63% | 232 / 629 | | |
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 49% | 323 / 629 | | |
| Efficiency Ratio | 61.39% | 58.35% | 67.79% | 79.08% | Beats 69% | 197 / 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 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 11.24% | 13.84% | 18.77% | Beats 11% | 559 / 629 | | |
| Total Risk-Based Capital Ratio | 9.98% | 11.58% | 14.43% | 19.66% | Beats 10% | 564 / 629 | | |
| Equity / Assets | 10.22% | 9.09% | 10.65% | 13.80% | Beats 43% | 361 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.24% | 67.24% | 80.90% | 93.48% | 26th pctl | 437 / 594 | | |
| Loans / Assets | 61.07% | 53.31% | 67.71% | 78.15% | 36th pctl | 400 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |