| Metric | Bank of the Plains | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.6M | $390.5M | $313.2M | $43.8M | $4.0M | 1.77% | 4.46% | 0.41% |
| Q1 2026 | $445.9M | $391.7M | $301.8M | $42.4M | $2.6M | 2.35% | 4.41% | 0.43% |
| Q4 2025 | $445.5M | $389.4M | $318.2M | $43.6M | $3.0M | 0.68% | 4.20% | 0.46% |
| Q3 2025 | $438.9M | $383.9M | $312.2M | $42.5M | $2.2M | 0.68% | 4.15% | 0.55% |
| Q2 2025 | $441.8M | $385.8M | $305.7M | $41.0M | $1.4M | 0.62% | 4.11% | 0.48% |
| Q1 2025 | $435.7M | $377.4M | $306.9M | $40.0M | $621K | 0.57% | 4.07% | 0.50% |
| Q4 2024 | $435.2M | $351.6M | $311.2M | $39.0M | $3.2M | 0.75% | 4.21% | 0.57% |
| Q3 2024 | $417.7M | $356.9M | $289.6M | $39.2M | $2.4M | 0.76% | 4.18% | 0.40% |
Loan mix (Q2 2026): real estate $229.4M · commercial $50.1M · consumer $3.3M · securities $78.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of the Plains | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 62.9% | 23rd |
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 Plains | 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 Plains | 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 Plains | 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 Plains | 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 Plains | 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 30, 2025 | Target | Brady Larson, Larson Ranch LLC | Change in control | Completed | Federal Reserve |
Technology spend in line with peers (22 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
8 branches in 7 counties across 1 state (-1 vs 2025) · $390.5M branch deposits. Biggest market: Harper, KS, ranked 1st with 50.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harper, KS | 2 | $134.1M | 50.03% | 1st |
| Meade, KS | 1 | $90.4M | 44.77% | 1st |
| Saline, KS | 1 | $55.5M | 2.35% | 11th |
| 4 more counties with Pro → | ||||
Kansas: 72nd with 0.33% ·
Branch count: 2022 6 · 2023 8 · 2024 9 · 2025 9 · 2026 8