Kearney Trust Company
Kearney, MO · Cert 9794 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=41-42)
State charter, non-member · 2 branches
Q1 2026
$325.1MAssets
$175.0MLoans
$287.8MDeposits
$35.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 10 of 41).
- Widest gap: net charge-offs / loans trails 68% of banks under $1B in assets in the Kansas City, MO-KS area (rank 29 of 41).
- Overall: at or above the peer median on 8 of 10 directional measures.
Return on Assets
1.77%
Rank 12 of 42
Net Interest Margin
3.84%
Rank 24 of 42
Efficiency Ratio
46.81%
Rank 8 of 42
Equity / Assets
10.85%
Rank 14 of 42
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 83% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.99% | 1.32% | 1.77% | Beats 71% | 12 / 42 | |
| Return on Equity | 16.27% | 8.12% | 13.79% | 19.98% | Beats 62% | 16 / 42 | |
| Net Interest Margin | 3.84% | 3.37% | 3.99% | 4.57% | Beats 43% | 24 / 42 | |
| Efficiency Ratio | 46.81% | 49.48% | 59.08% | 68.99% | Beats 83% | 8 / 42 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.29% | 1.28% | Beats 100% | 10 / 41 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 32% | 29 / 41 | |
| Capital |
| Tier 1 Capital Ratio | 20.43% | 11.23% | 12.22% | 17.19% | Beats 81% | 8 / 42 | |
| Total Risk-Based Capital Ratio | 21.68% | 11.23% | 13.21% | 18.22% | Beats 83% | 7 / 42 | |
| Equity / Assets | 10.85% | 8.06% | 10.26% | 12.21% | Beats 67% | 14 / 42 | |
| Liquidity & Funding |
| Loans / Deposits | 60.80% | 70.92% | 84.88% | 93.19% | 14th pctl | 36 / 42 | |
| Loans / Assets | 53.82% | 61.50% | 69.02% | 79.13% | 14th pctl | 36 / 42 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.09% | Beats 100% | 30 / 42 | |