Bison State Bank: how it compares with its peers
Against 74 KS banks with half to twice its assets, Bison State Bank's strongest measure in Q2 2026 is net interest margin (4.00% vs. a 3.96% peer median). Its weakest relative measure is assets per employee ($2.5M vs. $7.1M).
| Measure | Bison State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.40% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.96% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.05% | 58.84% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.5M | $7.1M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.15% | 74.97% | Context |
What it means for lending operations
Its efficiency ratio of 85.05% is above the 58.84% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The State Bank of Bern Bern, KS · $128M
- The Stockgrowers State Bank Maple Hill, KS · $128M
- Community Bank of Wichita, Inc. Wichita, KS · $128M
- The Wilson State Bank Wilson, KS · $123M
- The Bendena State Bank Bendena, KS · $132M
- The Riley State Bank of Riley, Kansas Riley, KS · $132M
Questions about Bison State Bank
How big is Bison State Bank?
Bison State Bank, established in 1901, is headquartered in Bison, KS. It reported $126M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bison State Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.40% median for 74 KS banks with half to twice its assets, ahead of 19% of them.
What is Bison State Bank's efficiency ratio?
85.05% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 58.84%, and lower is better.
Is Bison State Bank growing its loans?
Net loans grew 38.4% over the year to Q2 2026, while deposits grew 8.8%.
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.