First National Bank of Beloit, The
Beloit, KS · Cert 4630 · Peer group: banks under $1B in assets in KS (n=105)
FDIC · 1 branch
Q1 2025
$105.7MAssets
$70.6MLoans
$85.2MDeposits
$11.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 55 of 105).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in KS (rank 101 of 105).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.00%
Rank 61 of 105
Net Interest Margin
3.16%
Rank 69 of 105
Efficiency Ratio
65.52%
Rank 65 of 105
Equity / Assets
10.94%
Rank 46 of 105
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 39% 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 | 1.00% | 0.78% | 1.10% | 1.38% | Beats 42% | 61 / 105 | | |
| Return on Equity | 9.17% | 8.15% | 10.82% | 13.36% | Beats 33% | 70 / 105 | | |
| Net Interest Margin | 3.16% | 3.06% | 3.29% | 3.75% | Beats 34% | 69 / 105 | | |
| Efficiency Ratio | 65.52% | 55.42% | 62.09% | 69.97% | Beats 39% | 65 / 105 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.75% | 0.03% | 0.22% | 0.77% | Beats 5% | 101 / 105 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 55 / 105 | | |
| Capital |
| Tier 1 Capital Ratio | 19.10% | 11.89% | 13.59% | 17.54% | Beats 80% | 21 / 105 | | |
| Total Risk-Based Capital Ratio | 20.35% | 11.91% | 14.34% | 18.04% | Beats 81% | 20 / 105 | | |
| Equity / Assets | 10.94% | 7.61% | 10.31% | 12.60% | Beats 56% | 46 / 105 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.78% | 54.60% | 68.18% | 80.10% | 81st pctl | 20 / 105 | | |
| Loans / Assets | 66.79% | 48.15% | 58.26% | 66.79% | 74th pctl | 27 / 105 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |