| Metric | The Kansas State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 16.2% | 11.9% | +4.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.4M | $187.9M | $78.0M | $17.9M | $1.4M | 1.40% | 3.34% | 0.32% |
| Q1 2026 | $199.9M | $179.2M | $76.9M | $18.1M | $667K | 1.30% | 3.27% | 0.33% |
| Q4 2025 | $211.7M | $192.0M | $78.6M | $17.5M | $2.4M | 1.22% | 3.10% | 0.26% |
| Q3 2025 | $183.4M | $163.2M | $77.6M | $18.0M | $1.9M | 1.32% | 3.11% | 0.31% |
| Q2 2025 | $202.3M | $182.9M | $79.5M | $17.0M | $1.4M | 1.38% | 2.88% | 0.26% |
| Q1 2025 | $193.2M | $174.5M | $77.0M | $16.5M | $787K | 1.60% | 2.71% | 0.27% |
| Q4 2024 | $201.4M | $184.5M | $75.8M | $15.0M | $2.9M | 1.52% | 2.60% | 0.26% |
| Q3 2024 | $174.5M | $157.6M | $72.6M | $14.2M | $1.1M | 0.80% | 2.65% | 0.01% |
Loan mix (Q2 2026): real estate $62.8M · commercial $8.8M · consumer $2.1M · securities $94.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Kansas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 62.9% | 38th |
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 | The Kansas 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 | The Kansas 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 | The Kansas 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 | The Kansas State Bank | 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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