| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +4.4% | +10.8 pts |
| Deposit growth (YoY) | +15.2% | +4.0% | +11.2 pts |
| Loan growth (YoY) | +10.4% | +5.6% | +4.8 pts |
| ROA | 1.95% | 1.24% | +0.7 pts |
| ROE | 13.2% | 11.9% | +1.4 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.5M | $162.0M | $56.7M | $28.0M | $1.8M | 1.95% | 3.67% | 0.28% |
| Q1 2026 | $186.4M | $158.2M | $57.5M | $26.8M | $819K | 1.81% | 3.58% | 0.00% |
| Q4 2025 | $176.2M | $147.9M | $57.9M | $26.9M | $3.0M | 1.80% | 3.77% | 0.00% |
| Q3 2025 | $175.1M | $147.9M | $55.8M | $25.8M | $2.3M | 1.88% | 3.74% | 0.00% |
| Q2 2025 | $166.3M | $140.7M | $51.4M | $24.4M | $1.5M | 1.92% | 3.74% | 0.00% |
| Q1 2025 | $160.4M | $136.1M | $51.3M | $23.3M | $784K | 2.01% | 3.69% | 0.00% |
| Q4 2024 | $151.3M | $128.0M | $53.5M | $22.4M | $2.9M | 1.95% | 4.08% | 0.00% |
| Q3 2024 | $151.3M | $127.8M | $50.7M | $22.5M | $2.2M | 2.01% | 4.11% | 0.00% |
Loan mix (Q2 2026): real estate $50.9M · commercial $4.4M · consumer $1.8M · securities $78.4M
| Ratio | Garden Plain State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.5% | 62.9% | 2nd |
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 | Garden Plain State 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 | Garden Plain State Bank | 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 | Garden Plain State 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 | Garden Plain State 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 | Garden Plain State Bank | 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.
2 branches in 1 county across 1 state (+0 vs 2024) · $140.7M branch deposits. Biggest market: Sedgwick, KS, ranked 23rd with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sedgwick, KS | 2 | $140.7M | 0.62% | 23rd |
Kansas: 142nd with 0.12% · Wichita metro: 32nd, 0.54% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2