Bank of the Flint Hills
Wamego, KS · Cert 4791 · Peer group: banks under $1B in assets (n=581-629) · Wamego Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
$544.5MAssets
$432.1MLoans
$473.0MDeposits
$41.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets (rank 84 of 629).
- Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 569 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.21%
Rank 234 of 629
Net Interest Margin
3.88%
Rank 201 of 629
Efficiency Ratio
61.21%
Rank 195 of 629
Equity / Assets
7.69%
Rank 569 of 629
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 69% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 234 / 629 | | |
| Return on Equity | 15.72% | 5.38% | 9.30% | 13.28% | Beats 87% | 84 / 629 | | |
| Net Interest Margin | 3.88% | 3.03% | 3.54% | 4.05% | Beats 68% | 201 / 629 | | |
| Efficiency Ratio | 61.21% | 58.35% | 67.79% | 79.08% | Beats 69% | 195 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.46% | 1.20% | Beats 83% | 99 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 313 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.03% | 11.24% | 13.84% | 18.77% | Beats 12% | 555 / 629 | | |
| Total Risk-Based Capital Ratio | 11.22% | 11.58% | 14.43% | 19.66% | Beats 21% | 498 / 629 | | |
| Equity / Assets | 7.69% | 9.09% | 10.65% | 13.80% | Beats 10% | 569 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.37% | 67.24% | 80.90% | 93.48% | 72nd pctl | 169 / 594 | | |
| Loans / Assets | 79.36% | 53.31% | 67.71% | 78.15% | 80th pctl | 125 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |