First State Bank, The
Norton, KS · Cert 5835 · Peer group: banks under $1B in assets in KS (n=98) · Norton Bankshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$493.2MAssets
$284.0MLoans
$406.6MDeposits
$54.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of banks under $1B in assets in KS (rank 24 of 98).
- Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets in KS (rank 82 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.54%
Rank 26 of 98
Net Interest Margin
3.89%
Rank 28 of 98
Efficiency Ratio
51.49%
Rank 24 of 98
Equity / Assets
10.99%
Rank 53 of 98
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 77% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 1.03% | 1.24% | 1.54% | Beats 73% | 26 / 98 | | |
| Return on Equity | 13.99% | 8.85% | 11.58% | 14.73% | Beats 73% | 26 / 98 | | |
| Net Interest Margin | 3.89% | 3.24% | 3.62% | 3.91% | Beats 71% | 28 / 98 | | |
| Efficiency Ratio | 51.49% | 51.87% | 58.88% | 64.74% | Beats 77% | 24 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.01% | 0.33% | 1.05% | Beats 69% | 31 / 98 | | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.00% | 0.03% | Beats 17% | 82 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 13.05% | 11.81% | 13.71% | 17.33% | Beats 44% | 55 / 98 | | |
| Total Risk-Based Capital Ratio | 13.05% | 11.81% | 14.13% | 17.45% | Beats 38% | 61 / 98 | | |
| Equity / Assets | 10.99% | 8.60% | 11.34% | 13.10% | Beats 46% | 53 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.84% | 57.09% | 69.84% | 82.47% | 50th pctl | 49 / 98 | | |
| Loans / Assets | 57.58% | 49.34% | 58.31% | 68.94% | 47th pctl | 52 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |