The Union State Bank of Everest
Total assets
$427.3M
▲ +0.3% YoY
Deposits
$382.0M
▲ +0.4% YoY
Loans
$308.6M
▼ -1.2% YoY
Offices
9
EVEREST BANCSHARES INC
ROA (annualized)
1.62%
peers 1.24%
ROE (annualized)
16.66%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.6 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 16.7% | 11.9% | +4.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
Profile
- Established
- 1901
- Charter
- State
- Primary regulator
- FED
- Holding company
- EVEREST BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 545 Main St, Everest, KS, 66424
- County
- Brown
- Offices
- 9
- FDIC cert #
- 18610
- RSSD ID
- 736550
- 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 | $427.3M | $382.0M | $308.6M | $43.2M | $3.5M | 1.62% | 4.46% | 0.82% |
| Q1 2026 | $431.0M | $387.3M | $314.0M | $41.6M | $1.7M | 1.52% | 4.41% | 0.99% |
| Q4 2025 | $437.2M | $370.9M | $323.7M | $41.1M | $5.2M | 1.22% | 4.12% | 0.78% |
| Q3 2025 | $434.6M | $378.7M | $320.5M | $40.5M | $3.6M | 1.12% | 4.03% | 0.79% |
| Q2 2025 | $426.1M | $380.6M | $312.2M | $38.6M | $2.4M | 1.14% | 4.05% | 0.50% |
| Q1 2025 | $422.3M | $382.1M | $307.6M | $38.1M | $991K | 0.93% | 3.95% | 0.15% |
| Q4 2024 | $427.2M | $358.1M | $303.9M | $36.6M | $4.2M | 1.00% | 3.68% | 0.12% |
| Q3 2024 | $418.4M | $348.1M | $298.2M | $38.4M | $2.9M | 0.94% | 3.63% | 0.17% |
Loan mix (Q2 2026): real estate $238.4M · commercial $30.4M · consumer $5.4M · securities $89.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 62.9% | 55th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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