The Walton State Bank: how it compares with its peers
Against 66 U.S. banks with half to twice its assets, The Walton State Bank's strongest measure in Q2 2026 is net interest margin (4.40% vs. a 3.81% peer median). Its weakest relative measure is return on assets (-0.02% vs. 1.24%).
| Measure | The Walton State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.02% | 1.24% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.81% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.45% | 81.92% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.6M | $2.8M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 29.99% | 61.73% | Context |
What it means for lending operations
Its efficiency ratio of 93.45% is above the 81.92% 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
- Davidson Trust Co. Great Falls, MT · $13M
- Peoples State Bank Blair, OK · $14M
Questions about The Walton State Bank
How big is The Walton State Bank?
The Walton State Bank, established in 1907, is headquartered in Walton, KS. It reported $13M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Walton State Bank's return on assets?
-0.02% annualized in Q2 2026, against a 1.24% median for 66 U.S. banks with half to twice its assets, ahead of 26% of them.
What is The Walton State Bank's efficiency ratio?
93.45% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 81.92%, and lower is better.
Is The Walton State Bank growing its loans?
Net loans grew 0.6% over the year to Q2 2026, while deposits grew 14.8%.
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 U.S. 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.