The First State Bank of Ransom: how it compares with its peers
Against 39 KS banks with half to twice its assets, The First State Bank of Ransom's strongest measure in Q2 2026 is assets per employee ($9.8M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (2.76% vs. 3.82%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.29% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.76% | 3.82% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.74% | 63.47% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $6.9M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.95% | 61.20% | Context |
What it means for lending operations
Its efficiency ratio of 64.74% is above the 63.47% 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 Exchange Bank Mankato, KS · $51M
- NINNESCAH VALLEY BANK Cunningham, KS · $45M
- Union State Bank Olsburg, KS · $44M
- Bank of Greeley Greeley, KS · $54M
- Farmers State Bank Phillipsburg, KS · $43M
- The Security State Bank Wellington, KS · $55M
Questions about The First State Bank of Ransom
How big is The First State Bank of Ransom?
The First State Bank of Ransom, established in 1900, is headquartered in Ransom, KS. It reported $49M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First State Bank of Ransom's return on assets?
1.19% annualized in Q2 2026, against a 1.29% median for 39 KS banks with half to twice its assets, ahead of 33% of them.
What is The First State Bank of Ransom's efficiency ratio?
64.74% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 63.47%, and lower is better.
Is The First State Bank of Ransom growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 0.1%.
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.