Ventura National Bank & Trust
Harveyville, KS · Cert 4683 · Peer group: banks under $1B in assets (n=581-629) · Vista Holding Co.
National charter · OCC · 1 branch
Q2 2026
$41.7MAssets
$36.7MLoans
$32.8MDeposits
$8.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks under $1B in assets (rank 75 of 629).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets (rank 600 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.55%
Rank 593 of 629
Net Interest Margin
3.26%
Rank 406 of 629
Efficiency Ratio
122.02%
Rank 600 of 629
Equity / Assets
20.84%
Rank 75 of 629
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 5% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.55% | 0.60% | 1.01% | 1.45% | Beats 6% | 593 / 629 | |
| Return on Equity | -2.62% | 5.38% | 9.30% | 13.28% | Beats 7% | 588 / 629 | |
| Net Interest Margin | 3.26% | 3.03% | 3.54% | 4.05% | Beats 35% | 406 / 629 | |
| Efficiency Ratio | 122.02% | 58.35% | 67.79% | 79.08% | Beats 5% | 600 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 147 / 581 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 24% | 444 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 17.95% | 11.24% | 13.84% | 18.77% | Beats 73% | 172 / 629 | |
| Total Risk-Based Capital Ratio | 17.95% | 11.58% | 14.43% | 19.66% | Beats 70% | 188 / 629 | |
| Equity / Assets | 20.84% | 9.09% | 10.65% | 13.80% | Beats 88% | 75 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 111.90% | 67.24% | 80.90% | 93.48% | 96th pctl | 23 / 594 | |
| Loans / Assets | 87.87% | 53.31% | 67.71% | 78.15% | 97th pctl | 20 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |