First National Bank of Scott City, The
Scott City, KS · Cert 4769 · Peer group: banks under $1B in assets in KS (n=98) · Hoeme Family Partnership
National charter · OCC · 1 branch
Q2 2026
$173.8MAssets
$128.3MLoans
$140.4MDeposits
$22.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets in KS (rank 13 of 98).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in KS (rank 85 of 98).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.65%
Rank 18 of 98
Net Interest Margin
4.23%
Rank 16 of 98
Efficiency Ratio
48.20%
Rank 13 of 98
Equity / Assets
12.90%
Rank 30 of 98
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 88% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 1.03% | 1.24% | 1.54% | Beats 82% | 18 / 98 | |
| Return on Equity | 12.80% | 8.85% | 11.58% | 14.73% | Beats 63% | 36 / 98 | |
| Net Interest Margin | 4.23% | 3.24% | 3.62% | 3.91% | Beats 84% | 16 / 98 | |
| Efficiency Ratio | 48.20% | 51.87% | 58.88% | 64.74% | Beats 88% | 13 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.01% | 0.33% | 1.05% | Beats 50% | 50 / 98 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.00% | 0.03% | Beats 14% | 85 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 14.48% | 11.81% | 13.71% | 17.33% | Beats 58% | 41 / 98 | |
| Total Risk-Based Capital Ratio | 14.48% | 11.81% | 14.13% | 17.45% | Beats 54% | 45 / 98 | |
| Equity / Assets | 12.90% | 8.60% | 11.34% | 13.10% | Beats 69% | 30 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 91.36% | 57.09% | 69.84% | 82.47% | 89th pctl | 11 / 98 | |
| Loans / Assets | 73.82% | 49.34% | 58.31% | 68.94% | 86th pctl | 14 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |