The Union State Bank of Everest: how it compares with its peers
Against 64 KS banks with half to twice its assets, The Union State Bank of Everest's strongest measure in Q2 2026 is net interest margin (4.46% vs. a 4.03% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.51% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 4.03% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.69% | 58.42% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.6M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.78% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 64.69% is above the 58.42% 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
- Astra Bank Scandia, KS · $423M
- The Citizens State Bank Marysville, KS · $442M
- Bank of the Plains Plains, KS · $446M
- The Citizens State Bank Moundridge, KS · $451M
- The Denison State Bank Holton, KS · $454M
- Mutual Savings Association Leavenworth, KS · $399M
Questions about The Union State Bank of Everest
How big is The Union State Bank of Everest?
The Union State Bank of Everest, established in 1901, is headquartered in Everest, KS. It reported $427M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Union State Bank of Everest's return on assets?
1.62% annualized in Q2 2026, against a 1.51% median for 64 KS banks with half to twice its assets, ahead of 58% of them.
What is The Union State Bank of Everest's efficiency ratio?
64.69% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 58.42%, and lower is better.
Is The Union State Bank of Everest growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 0.4%.
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.