The First State Bank of Healy: how it compares with its peers
Against 76 KS banks with half to twice its assets, The First State Bank of Healy's strongest measure in Q2 2026 is assets per employee ($13.6M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (3.11% vs. 3.96%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.39% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.96% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.59% | 59.21% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.6M | $7.2M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.42% | 73.29% | Context |
What it means for lending operations
Its efficiency ratio of 55.59% is better than the 59.21% 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
- First Federal Savings and Loan Bank Olathe, KS · $109M
- First National Bank of Kansas Burlington, KS · $106M
- Exchange State Bank Saint Paul, KS · $105M
- Bank of Commerce and Trust Company Wellington, KS · $113M
- First National Bank in Fredonia Fredonia, KS · $104M
- Citizens State Bank and Trust Company Hiawatha, KS · $104M
Questions about The First State Bank of Healy
How big is The First State Bank of Healy?
The First State Bank of Healy, established in 1906, is headquartered in Healy, KS. It reported $109M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First State Bank of Healy's return on assets?
1.36% annualized in Q2 2026, against a 1.39% median for 76 KS banks with half to twice its assets, ahead of 46% of them.
What is The First State Bank of Healy's efficiency ratio?
55.59% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 59.21%, and lower is better.
Is The First State Bank of Healy growing its loans?
Net loans shrank 14.1% over the year to Q2 2026, while deposits shrank 8.2%.
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.