The Kansas State Bank: how it compares with its peers
Against 82 KS banks with half to twice its assets, The Kansas State Bank's strongest measure in Q2 2026 is efficiency ratio (58.80% vs. a 59.12% peer median). Its weakest relative measure is net interest margin (3.34% vs. 3.93%).
| Measure | The Kansas State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.44% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.34% | 3.93% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.80% | 59.12% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $7.0M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 41.52% | 76.96% | Context |
What it means for lending operations
Its efficiency ratio of 58.80% is better than the 59.12% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Union State Bank Clay Center, KS · $206M
- Halstead Bank Halstead, KS · $206M
- Kendall Bank Overland Park, KS · $211M
- The Lyon County State Bank Emporia, KS · $212M
- TriCentury Bank De Soto, KS · $214M
- The First National Bank of Louisburg Louisburg, KS · $201M
Questions about The Kansas State Bank
How big is The Kansas State Bank?
The Kansas State Bank, established in 1917, is headquartered in Ottawa, KS. It reported $208M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Kansas State Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.44% median for 82 KS banks with half to twice its assets, ahead of 45% of them.
What is The Kansas State Bank's efficiency ratio?
58.80% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 59.12%, and lower is better.
Is The Kansas State Bank growing its loans?
Net loans shrank 1.9% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.