| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.6% | +4.4% | +12.3 pts |
| Deposit growth (YoY) | +14.1% | +4.0% | +10.2 pts |
| Loan growth (YoY) | +22.8% | +5.6% | +17.2 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 4.7% | 11.9% | -7.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $255.7M | $130.4M | $170.1M | $36.5M | $853K | 0.75% | 4.85% | 1.02% |
| Q1 2026 | $212.2M | $124.9M | $165.6M | $36.2M | $379K | 0.71% | 5.15% | 1.29% |
| Q4 2025 | $214.2M | $134.0M | $151.6M | $36.4M | $1.3M | 0.58% | 4.87% | 1.30% |
| Q3 2025 | $196.5M | $109.0M | $142.5M | $36.3M | $1.1M | 0.67% | 4.83% | 1.78% |
| Q2 2025 | $219.2M | $114.3M | $138.5M | $35.8M | $619K | 0.56% | 4.69% | 1.59% |
| Q1 2025 | $227.7M | $126.1M | $134.1M | $35.5M | $326K | 0.59% | 4.67% | 0.20% |
| Q4 2024 | $216.6M | $125.2M | $142.2M | $35.2M | $2.6M | 1.29% | 4.65% | 0.23% |
| Q3 2024 | $191.2M | $113.9M | $136.5M | $35.3M | $2.2M | 1.45% | 4.67% | 0.24% |
Loan mix (Q2 2026): real estate $61.1M · commercial $30.3M · consumer $24.1M · securities $40.2M
| Ratio | Bankers' Bank of Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 62.9% | 84th |
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 | Bankers' Bank of Kansas | 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 | Bankers' Bank of Kansas | 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 | Bankers' Bank of Kansas | 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 | Bankers' Bank of Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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