| Metric | First Bank Kansas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.9% | +2.9 pts |
| Deposit growth (YoY) | +7.6% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +12.2% | +5.3% | +6.8 pts |
| ROA | 3.84% | 1.28% | +2.6 pts |
| ROE | 50.9% | 12.4% | +38.5 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $618.5M | $561.6M | $413.9M | $49.0M | $11.7M | 3.84% | 4.79% | 0.06% |
| Q1 2026 | $614.3M | $561.6M | $405.9M | $45.3M | $4.1M | 2.73% | 4.67% | 0.43% |
| Q4 2025 | $594.4M | $540.3M | $391.9M | $43.7M | $14.1M | 2.43% | 4.41% | 0.36% |
| Q3 2025 | $582.4M | $527.0M | $377.6M | $42.5M | $9.3M | 2.16% | 4.31% | 0.06% |
| Q2 2025 | $573.7M | $522.1M | $369.0M | $39.8M | $6.3M | 2.21% | 4.26% | 0.06% |
| Q1 2025 | $577.4M | $527.0M | $357.4M | $39.0M | $3.1M | 2.19% | 4.18% | 0.09% |
| Q4 2024 | $568.7M | $521.8M | $349.5M | $36.2M | $15.3M | 2.76% | 3.91% | 0.16% |
| Q3 2024 | $547.8M | $495.7M | $336.5M | $39.7M | $11.9M | 2.89% | 3.85% | 0.29% |
Loan mix (Q2 2026): real estate $329.6M · commercial $27.8M · consumer $17.2M · securities $151.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.84% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 50.9% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 61.2% | 29th |
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 | First Bank 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 | First Bank 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 | First Bank 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 | First Bank 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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