PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Louisburg, The

Louisburg, KS · Cert 4722 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)

National charter · OCC · 3 branches

Q2 2026

$201.3MAssets
$128.8MLoans
$171.5MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in the Kansas City, MO-KS area (rank 32 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.39%

Rank 20 of 40

Net Interest Margin

3.58%

Rank 28 of 40

Efficiency Ratio

51.70%

Rank 11 of 40

Equity / Assets

9.86%

Rank 24 of 40

Non-interest income vs. expense

$0.8M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 75% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 51.70%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.02%1.39%1.86%Beats 50%20 / 40
Return on Equity14.11%10.74%14.78%21.32%Beats 43%23 / 40
Net Interest Margin3.58%3.33%4.05%4.63%Beats 30%28 / 40
Efficiency Ratio51.70%51.70%58.10%69.29%Beats 75%11 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.20%1.11%Beats 100%8 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 56%18 / 39
Capital
Tier 1 Capital Ratio10.88%11.32%12.27%16.94%Beats 23%31 / 40
Total Risk-Based Capital Ratio10.88%11.32%13.09%17.63%Beats 20%32 / 40
Equity / Assets9.86%8.41%10.10%12.34%Beats 40%24 / 40
Liquidity & Funding
Loans / Deposits75.12%73.50%85.60%94.85%30th pctl28 / 40
Loans / Assets64.00%62.75%69.87%79.23%28th pctl29 / 40
Brokered Deposits / Depositsn/aNot reported for this institution