CoreFirst Bank & Trust: how it compares with its peers
Against 21 KS banks with half to twice its assets, CoreFirst Bank & Trust's strongest measure in Q2 2026 is return on assets (1.55% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.8M).
| Measure | CoreFirst Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.43% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.88% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.31% | 59.76% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.8M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.05% | 76.89% | Context |
What it means for lending operations
Its efficiency ratio of 64.31% is above the 59.76% 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
- nbkc bank Leawood, KS · $1.24B
- The First National Bank of Hutchinson Hutchinson, KS · $1.21B
- Central National Bank Junction City, KS · $1.39B
- Bank of Labor Overland Park, KS · $1.11B
- The Bennington State Bank Salina, KS · $1.42B
- Armed Forces Bank, National Association Fort Leavenworth, KS · $1.42B
Questions about CoreFirst Bank & Trust
How big is CoreFirst Bank & Trust?
CoreFirst Bank & Trust, established in 1959, is headquartered in Topeka, KS. It reported $1.26B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is CoreFirst Bank & Trust's return on assets?
1.55% annualized in Q2 2026, against a 1.43% median for 21 KS banks with half to twice its assets, ahead of 67% of them.
What is CoreFirst Bank & Trust's efficiency ratio?
64.31% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 59.76%, and lower is better.
Is CoreFirst Bank & Trust growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 2.9%.
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.