TriCentury Bank: how it compares with its peers
Against 81 KS banks with half to twice its assets, TriCentury Bank's strongest measure in Q2 2026 is efficiency ratio (42.54% vs. a 59.28% peer median). Its weakest relative measure is net interest margin (4.09% vs. 3.91%).
| Measure | TriCentury Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.68% | 1.43% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.09% | 3.91% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.54% | 59.28% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.9M | $6.9M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 131.04% | 76.92% | Context |
What it means for lending operations
Its efficiency ratio of 42.54% is better than the 59.28% 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 Lyon County State Bank Emporia, KS · $212M
- Kendall Bank Overland Park, KS · $211M
- The Kansas State Bank Ottawa, KS · $208M
- Carson Bank Mulvane, KS · $220M
- Union State Bank Clay Center, KS · $206M
- Halstead Bank Halstead, KS · $206M
Questions about TriCentury Bank
How big is TriCentury Bank?
TriCentury Bank, established in 1909, is headquartered in De Soto, KS. It reported $214M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is TriCentury Bank's return on assets?
1.68% annualized in Q2 2026, against a 1.43% median for 81 KS banks with half to twice its assets, ahead of 73% of them.
What is TriCentury Bank's efficiency ratio?
42.54% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 59.28%, and lower is better.
Is TriCentury Bank growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 16.9%.
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.