The Denison State Bank: how it compares with its peers
Against 62 KS banks with half to twice its assets, The Denison State Bank's strongest measure in Q2 2026 is return on assets (2.00% vs. a 1.51% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.6M).
| Measure | The Denison State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.00% | 1.51% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 3.98% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.86% | 59.14% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.6M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.40% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 48.86% is better than the 59.14% 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
- The Citizens State Bank Moundridge, KS · $451M
- Bank of the Plains Plains, KS · $446M
- The Citizens State Bank Marysville, KS · $442M
- SOLUTIONS NORTH BANK Stockton, KS · $469M
- The Union State Bank of Everest Everest, KS · $427M
- Astra Bank Scandia, KS · $423M
Questions about The Denison State Bank
How big is The Denison State Bank?
The Denison State Bank, established in 1901, is headquartered in Holton, KS. It reported $454M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Denison State Bank's return on assets?
2.00% annualized in Q2 2026, against a 1.51% median for 62 KS banks with half to twice its assets, ahead of 89% of them.
What is The Denison State Bank's efficiency ratio?
48.86% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 59.14%, and lower is better.
Is The Denison State Bank growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits shrank 1.7%.
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.