Firstoak Bank
Independence, KS · Cert 4660 · Peer group: banks under $1B in assets in KS (n=98) · FNB Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$241.2MAssets
$187.1MLoans
$212.3MDeposits
$26.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in KS (rank 86 of 98).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.11%
Rank 65 of 98
Net Interest Margin
4.84%
Rank 3 of 98
Efficiency Ratio
71.37%
Rank 87 of 98
Equity / Assets
11.00%
Rank 52 of 98
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 12% 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 | 1.11% | 1.03% | 1.24% | 1.54% | Beats 34% | 65 / 98 | | |
| Return on Equity | 10.07% | 8.85% | 11.58% | 14.73% | Beats 40% | 59 / 98 | | |
| Net Interest Margin | 4.84% | 3.24% | 3.62% | 3.91% | Beats 97% | 3 / 98 | | |
| Efficiency Ratio | 71.37% | 51.87% | 58.88% | 64.74% | Beats 12% | 87 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 10.48% | 11.81% | 13.71% | 17.33% | Beats 13% | 85 / 98 | | |
| Total Risk-Based Capital Ratio | 10.48% | 11.81% | 14.13% | 17.45% | Beats 12% | 86 / 98 | | |
| Equity / Assets | 11.00% | 8.60% | 11.34% | 13.10% | Beats 47% | 52 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.14% | 57.09% | 69.84% | 82.47% | 85th pctl | 15 / 98 | | |
| Loans / Assets | 77.58% | 49.34% | 58.31% | 68.94% | 94th pctl | 6 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |