State Bank of Downs
Downs, KS · Cert 9659 · Peer group: banks under $1B in assets in KS (n=98) · B Bank Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$148.0MAssets
$81.7MLoans
$127.3MDeposits
$19.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: return on equity trails 97% of banks under $1B in assets in KS (rank 95 of 98).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.65%
Rank 93 of 98
Net Interest Margin
3.22%
Rank 76 of 98
Efficiency Ratio
73.30%
Rank 90 of 98
Equity / Assets
12.99%
Rank 28 of 98
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 9% 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 | 0.65% | 1.03% | 1.24% | 1.54% | Beats 5% | 93 / 98 | | |
| Return on Equity | 4.97% | 8.85% | 11.58% | 14.73% | Beats 3% | 95 / 98 | | |
| Net Interest Margin | 3.22% | 3.24% | 3.62% | 3.91% | Beats 22% | 76 / 98 | | |
| Efficiency Ratio | 73.30% | 51.87% | 58.88% | 64.74% | Beats 9% | 90 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 51% | 49 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 12.64% | 11.81% | 13.71% | 17.33% | Beats 37% | 62 / 98 | | |
| Total Risk-Based Capital Ratio | 12.64% | 11.81% | 14.13% | 17.45% | Beats 32% | 67 / 98 | | |
| Equity / Assets | 12.99% | 8.60% | 11.34% | 13.10% | Beats 71% | 28 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.20% | 57.09% | 69.84% | 82.47% | 39th pctl | 60 / 98 | | |
| Loans / Assets | 55.24% | 49.34% | 58.31% | 68.94% | 42nd pctl | 57 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |