Elk State Bank: how it compares with its peers
Against 78 KS banks with half to twice its assets, Elk State Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $7.0M peer median). Its weakest relative measure is return on assets (0.70% vs. 1.40%).
| Measure | Elk State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 1.40% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.03% | 3.99% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.31% | 58.84% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.0M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.40% | 75.86% | Context |
What it means for lending operations
Its efficiency ratio of 69.31% 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
- First Commerce Bank Marysville, KS · $138M
- The Citizens State Bank Hugoton, KS · $137M
- The First National Bank in Cimarron Cimarron, KS · $143M
- The Riley State Bank of Riley, Kansas Riley, KS · $132M
- The Bendena State Bank Bendena, KS · $132M
Questions about Elk State Bank
How big is Elk State Bank?
Elk State Bank, established in 1896, is headquartered in Clyde, KS. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Elk State Bank's return on assets?
0.70% annualized in Q2 2026, against a 1.40% median for 78 KS banks with half to twice its assets, ahead of 5% of them.
What is Elk State Bank's efficiency ratio?
69.31% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 58.84%, and lower is better.
Is Elk State Bank growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 9.8%.
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.