First National Bank in Cimarron
Cimarron, KS · Cert 4638 · Peer group: banks under $1B in assets in KS (n=98) · First National Agency Inc.
National charter · OCC · 2 branches
Q2 2026
$143.5MAssets
$70.9MLoans
$131.3MDeposits
$9.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in KS (rank 93 of 98).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.80%
Rank 9 of 98
Net Interest Margin
3.84%
Rank 31 of 98
Efficiency Ratio
56.93%
Rank 40 of 98
Equity / Assets
6.71%
Rank 93 of 98
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 60% 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 | 1.80% | 1.03% | 1.24% | 1.54% | Beats 91% | 9 / 98 | | |
| Return on Equity | 26.84% | 8.85% | 11.58% | 14.73% | Beats 97% | 3 / 98 | | |
| Net Interest Margin | 3.84% | 3.24% | 3.62% | 3.91% | Beats 68% | 31 / 98 | | |
| Efficiency Ratio | 56.93% | 51.87% | 58.88% | 64.74% | Beats 60% | 40 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.01% | 0.33% | 1.05% | Beats 57% | 43 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 16.23% | 11.81% | 13.71% | 17.33% | Beats 68% | 31 / 98 | | |
| Total Risk-Based Capital Ratio | 17.28% | 11.81% | 14.13% | 17.45% | Beats 70% | 29 / 98 | | |
| Equity / Assets | 6.71% | 8.60% | 11.34% | 13.10% | Beats 5% | 93 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.00% | 57.09% | 69.84% | 82.47% | 19th pctl | 79 / 98 | | |
| Loans / Assets | 49.44% | 49.34% | 58.31% | 68.94% | 26th pctl | 73 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |