KS StateBank
Total assets
$2.60B
▼ -1.7% YoY
Deposits
$2.17B
▼ -2.7% YoY
Loans
$2.01B
▲ +0.6% YoY
Offices
6
MANHATTAN BANKING CORP
ROA (annualized)
1.95%
peers 1.26%
ROE (annualized)
15.22%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | KS StateBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +5.5% | -7.1 pts |
| Deposit growth (YoY) | -2.7% | +5.1% | -7.8 pts |
| Loan growth (YoY) | +0.6% | +5.9% | -5.3 pts |
| ROA | 1.95% | 1.26% | +0.7 pts |
| ROE | 15.2% | 12.2% | +3.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
Profile
- Established
- 1969
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MANHATTAN BANKING CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1010 Westloop Pl, Manhattan, KS, 66502
- County
- Riley
- Metro area
- Manhattan, KS
- Offices
- 6
- FDIC cert #
- 19899
- RSSD ID
- 160959
- 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 | $2.60B | $2.17B | $2.01B | $342.1M | $25.4M | 1.95% | 3.38% | 2.22% |
| Q1 2026 | $2.59B | $2.16B | $1.98B | $333.4M | $12.2M | 1.87% | 3.31% | 2.08% |
| Q4 2025 | $2.64B | $2.22B | $2.02B | $327.0M | $44.3M | 1.69% | 3.09% | 2.08% |
| Q3 2025 | $2.68B | $2.26B | $2.01B | $318.5M | $31.5M | 1.61% | 3.01% | 2.07% |
| Q2 2025 | $2.64B | $2.23B | $2.00B | $311.7M | $21.6M | 1.67% | 3.05% | 1.03% |
| Q1 2025 | $2.65B | $2.23B | $2.00B | $303.4M | $11.0M | 1.72% | 3.00% | 0.91% |
| Q4 2024 | $2.48B | $2.04B | $1.97B | $328.6M | $36.2M | 1.48% | 2.94% | 0.91% |
| Q3 2024 | $2.46B | $2.03B | $1.95B | $320.0M | $23.0M | 1.25% | 2.69% | 1.37% |
Loan mix (Q2 2026): real estate $1.48B · commercial $282.6M · consumer $6.3M · securities $432.0M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | KS StateBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.70% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.8% | 59.0% | 7th | |
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 | KS StateBank | 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 | KS StateBank | 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 | KS StateBank | 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 | KS StateBank | 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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