| Metric | SJN Bank of Kansas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.4% | +6.9 pts |
| Deposit growth (YoY) | +31.6% | +4.0% | +27.6 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 10.3% | 11.9% | -1.5 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $302.9M | $259.6M | $185.3M | $27.6M | $1.4M | 0.91% | 4.43% | 4.35% |
| Q1 2026 | $292.5M | $255.2M | $183.9M | $25.9M | $323K | 0.43% | 4.31% | 1.49% |
| Q4 2025 | $314.9M | $260.3M | $199.8M | $26.8M | $2.8M | 1.01% | 4.09% | 1.39% |
| Q3 2025 | $277.8M | $199.9M | $167.3M | $26.5M | $2.9M | 1.39% | 4.05% | 0.89% |
| Q2 2025 | $272.2M | $197.3M | $157.6M | $24.2M | $1.8M | 1.29% | 3.86% | 0.39% |
| Q1 2025 | $268.3M | $202.6M | $154.8M | $23.1M | $809K | 1.19% | 3.69% | 0.67% |
| Q4 2024 | $275.3M | $201.4M | $159.9M | $22.2M | $1.8M | 0.71% | 3.93% | 0.24% |
| Q3 2024 | $272.0M | $189.1M | $152.2M | $23.9M | $958K | 0.50% | 3.98% | 0.26% |
Loan mix (Q2 2026): real estate $76.1M · commercial $54.3M · consumer $3.4M · securities $97.7M
| Ratio | SJN Bank of Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53th |
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 | SJN Bank of Kansas | 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 | SJN Bank of Kansas | 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 | SJN Bank of Kansas | 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 | SJN Bank of Kansas | 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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