| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +4.9% | +9.1 pts |
| Deposit growth (YoY) | +11.2% | +4.3% | +6.9 pts |
| Loan growth (YoY) | +13.8% | +5.3% | +8.4 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 19.8% | 12.4% | +7.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $544.5M | $473.0M | $426.8M | $41.9M | $4.1M | 1.56% | 4.14% | 0.07% |
| Q1 2026 | $523.1M | $469.9M | $393.8M | $41.4M | $2.0M | 1.54% | 4.01% | 0.35% |
| Q4 2025 | $509.1M | $458.2M | $396.7M | $40.9M | $7.6M | 1.59% | 4.14% | 0.33% |
| Q3 2025 | $492.9M | $440.7M | $390.5M | $39.7M | $5.5M | 1.55% | 4.12% | 0.37% |
| Q2 2025 | $477.5M | $425.2M | $375.1M | $38.2M | $3.5M | 1.50% | 4.05% | 0.43% |
| Q1 2025 | $468.9M | $399.0M | $362.8M | $37.2M | $1.8M | 1.53% | 3.99% | 0.43% |
| Q4 2024 | $460.8M | $410.3M | $347.3M | $35.5M | $5.8M | 1.31% | 3.90% | 0.44% |
| Q3 2024 | $436.1M | $393.2M | $330.2M | $37.0M | $4.3M | 1.30% | 3.89% | 0.50% |
Loan mix (Q2 2026): real estate $295.4M · commercial $70.6M · consumer $6.8M · securities $64.6M
| Ratio | Bank of the Flint Hills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 61.2% | 50th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of the Flint Hills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of the Flint Hills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of the Flint Hills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of the Flint Hills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of the Flint Hills | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 5 counties across 1 state (+0 vs 2024) · $425.2M branch deposits. Biggest market: Pottawatomie, KS, ranked 1st with 23.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pottawatomie, KS | 3 | $252.2M | 23.20% | 1st |
| Riley, KS | 2 | $116.9M | 3.05% | 7th |
| Shawnee, KS | 1 | $22.5M | 0.36% | 20th |
| 2 more counties with Pro → | ||||
Kansas: 63rd with 0.37% · Manhattan metro: 4th, 6.10% · Topeka metro: 29th, 0.55% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8