Now part of Exchange State Bank (Saint Paul, KS). Figures below are from its last filing. All recent changes →
| Metric | Prescott State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.0% | +1.4 pts |
| Deposit growth (YoY) | +5.0% | +2.5% | +2.5 pts |
| Loan growth (YoY) | +8.3% | +2.6% | +5.7 pts |
| ROA | 0.71% | 0.99% | -0.3 pts |
| ROE | 4.8% | 8.1% | -3.3 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.3M | $14.3M | $8.1M | $2.5M | $60K | 0.71% | 3.69% | 0.00% |
| Q1 2026 | $16.9M | $13.9M | $8.3M | $2.5M | $27K | 0.64% | 3.62% | 0.00% |
| Q4 2025 | $16.7M | $13.7M | $8.6M | $2.5M | $61K | 0.37% | 3.20% | 0.00% |
| Q3 2025 | $17.0M | $14.0M | $7.6M | $2.4M | $37K | 0.30% | 3.08% | 0.00% |
| Q2 2025 | $16.6M | $13.6M | $7.5M | $2.4M | $23K | 0.28% | 3.09% | 0.00% |
Loan mix (Q2 2026): real estate $3.6M · commercial $2.1M · consumer $258K · securities $935K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Prescott State Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.99% | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 8.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% |
Peer lists, growth filters, CSV export, CRM push.
| 70.8% |
| — |
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 | Prescott State Bank | Trend (5q) | 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 | Prescott State Bank | Trend (5q) | 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 | Prescott State Bank | Trend (5q) | 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 | Prescott State Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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