Kish Bank: how it compares with its peers
Against 27 PA banks with half to twice its assets, Kish Bank's strongest measure in Q2 2026 is return on assets (1.18% vs. a 1.13% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $8.1M).
| Measure | Kish Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.13% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.56% | 3.64% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.25% | 60.14% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $8.1M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 116.51% | 84.89% | Context |
What it means for lending operations
Its efficiency ratio of 61.25% is above the 60.14% 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
- Bank of Bird-in-Hand Bird In Hand, PA · $1.91B
- Embassy Bank for the Lehigh Valley Bethlehem, PA · $1.86B
- Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA · $2.34B
- QNB Bank Quakertown, PA · $2.37B
- The Ephrata National Bank Ephrata, PA · $2.39B
- Somerset Trust Company Somerset, PA · $2.47B
Questions about Kish Bank
How big is Kish Bank?
Kish Bank, established in 1927, is headquartered in Belleville, PA. It reported $2.08B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Kish Bank's return on assets?
1.18% annualized in Q2 2026, against a 1.13% median for 27 PA banks with half to twice its assets, ahead of 63% of them.
What is Kish Bank's efficiency ratio?
61.25% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 60.14%, and lower is better.
Is Kish Bank growing its loans?
Net loans grew 14.3% over the year to Q2 2026, while deposits grew 11.5%.
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 PA 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 Pennsylvania bank ranked.