| Metric | First Kansas Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.0 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 27.0% | 11.9% | +15.2 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $294.4M | $275.2M | $132.5M | $18.5M | $2.5M | 1.67% | 3.04% | 0.00% |
| Q1 2026 | $291.2M | $272.6M | $130.8M | $18.0M | $1.3M | 1.70% | 2.97% | 0.00% |
| Q4 2025 | $300.9M | $281.8M | $130.6M | $18.3M | $4.9M | 1.71% | 3.09% | 0.00% |
| Q3 2025 | $275.8M | $257.9M | $127.3M | $17.1M | $3.2M | 1.54% | 3.13% | 0.00% |
| Q2 2025 | $273.8M | $255.0M | $122.1M | $16.8M | $2.1M | 1.50% | 3.12% | 0.00% |
| Q1 2025 | $278.7M | $261.8M | $119.3M | $16.2M | $1.0M | 1.45% | 3.11% | 0.00% |
| Q4 2024 | $295.0M | $280.0M | $126.6M | $14.6M | $4.1M | 1.51% | 3.15% | 0.00% |
| Q3 2024 | $266.9M | $242.5M | $123.5M | $16.5M | $3.1M | 1.53% | 3.21% | 0.00% |
Loan mix (Q2 2026): real estate $108.5M · commercial $11.0M · consumer $2.3M · securities $147.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Kansas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 27.0% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 62.9% | 13th |
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 Kansas Bank | 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 Kansas Bank | 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 Kansas Bank | 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 Kansas Bank | 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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