Elevate Bank, National Association
Sedan, KS · Cert 4770 · Peer group: banks under $1B in assets operating regionally (n=94) · Elevation Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$61.0MAssets
$43.9MLoans
$53.0MDeposits
$7.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating regionally (rank 3 of 94).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets operating regionally (rank 87 of 94).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.52%
Rank 79 of 94
Net Interest Margin
5.09%
Rank 3 of 94
Efficiency Ratio
88.83%
Rank 87 of 94
Equity / Assets
12.56%
Rank 11 of 94
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 9% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.82% | 1.19% | 1.46% | Beats 16% | 79 / 94 | |
| Return on Equity | 4.16% | 7.85% | 11.84% | 14.03% | Beats 13% | 82 / 94 | |
| Net Interest Margin | 5.09% | 3.42% | 3.81% | 4.18% | Beats 97% | 3 / 94 | |
| Efficiency Ratio | 88.83% | 55.99% | 62.41% | 73.02% | Beats 9% | 87 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.19% | 0.47% | 1.14% | Beats 40% | 57 / 94 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.05% | Beats 22% | 74 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 10.28% | 11.95% | 15.07% | Beats 37% | 59 / 94 | |
| Total Risk-Based Capital Ratio | 11.17% | 10.31% | 12.59% | 15.88% | Beats 35% | 61 / 94 | |
| Equity / Assets | 12.56% | 8.98% | 10.21% | 11.41% | Beats 88% | 11 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 82.82% | 72.62% | 84.44% | 94.55% | 46th pctl | 51 / 94 | |
| Loans / Assets | 71.99% | 62.50% | 72.84% | 78.99% | 49th pctl | 48 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |