Halstead Bank
Total assets
$205.9M
▲ +5.8% YoY
Deposits
$187.7M
▲ +5.9% YoY
Loans
$143.0M
▲ +1.3% YoY
Offices
4
WILLIAMS HOLDING CO INC
ROA (annualized)
1.64%
peers 1.24%
ROE (annualized)
19.01%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Halstead Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.4 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 19.0% | 11.9% | +7.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- State
- Primary regulator
- FED
- Holding company
- WILLIAMS HOLDING CO INC
- Specialization
- Agricultural Specialization
- Address
- 314 Main St, Halstead, KS, 67056
- County
- Harvey
- Metro area
- Wichita, KS
- Offices
- 4
- FDIC cert #
- 17451
- RSSD ID
- 747257
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $205.9M | $187.7M | $143.0M | $17.4M | $1.7M | 1.64% | 4.65% | 0.20% |
| Q1 2026 | $211.0M | $192.5M | $138.6M | $17.8M | $756K | 1.50% | 4.63% | 0.18% |
| Q4 2025 | $192.5M | $174.5M | $138.9M | $17.3M | $3.5M | 1.83% | 4.70% | 0.25% |
| Q3 2025 | $198.2M | $177.3M | $138.0M | $17.5M | $2.5M | 1.73% | 4.60% | 0.01% |
| Q2 2025 | $194.6M | $177.2M | $141.2M | $16.7M | $1.6M | 1.69% | 4.56% | 0.00% |
| Q1 2025 | $194.7M | $177.6M | $135.8M | $16.6M | $765K | 1.63% | 4.51% | 0.68% |
| Q4 2024 | $180.9M | $160.6M | $133.0M | $15.7M | $2.1M | 1.23% | 4.13% | 0.02% |
| Q3 2024 | $176.4M | $160.6M | $127.3M | $15.3M | $1.4M | 1.06% | 3.97% | 0.90% |
Loan mix (Q2 2026): real estate $100.7M · commercial $11.9M · consumer $8.2M · securities $27.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Halstead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | — | |
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% |
Balance sheet
| Ratio | Halstead 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% |
Capital
| Ratio | Halstead 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% |
Credit quality
| Ratio | Halstead 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% |
Franchise
| Ratio | Halstead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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