Johnson State Bank: how it compares with its peers
Against 69 KS banks with half to twice its assets, Johnson State Bank's strongest measure in Q2 2026 is assets per employee ($5.7M vs. a $7.2M peer median). Its weakest relative measure is efficiency ratio (74.47% vs. 58.88%).
| Measure | Johnson State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.38% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 3.95% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.47% | 58.88% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $7.2M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 42.56% | 70.95% | Context |
What it means for lending operations
Its efficiency ratio of 74.47% is above the 58.88% 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 Citizens State Bank of Cheney, Kansas Cheney, KS · $97M
- The Citizens State Bank and Trust Company Council Grove, KS · $96M
- Integrity Bank Montezuma, KS · $100M
- The Kansas State Bank Overbrook Kansas Overbrook, KS · $101M
- The Stock Exchange Bank, Caldwell, Kansas Caldwell, KS · $90M
- Citizens State Bank and Trust Company Hiawatha, KS · $104M
Questions about Johnson State Bank
How big is Johnson State Bank?
Johnson State Bank, established in 1914, is headquartered in Johnson, KS. It reported $97M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Johnson State Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.38% median for 69 KS banks with half to twice its assets, ahead of 14% of them.
What is Johnson State Bank's efficiency ratio?
74.47% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 58.88%, and lower is better.
Is Johnson State Bank growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits grew 12.3%.
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.