Garden Plain State Bank: how it compares with its peers
Against 86 KS banks with half to twice its assets, Garden Plain State Bank's strongest measure in Q2 2026 is efficiency ratio (37.48% vs. a 59.12% peer median). Its weakest relative measure is net interest margin (3.67% vs. 3.96%).
| Measure | Garden Plain State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.95% | 1.43% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.96% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.48% | 59.12% | Top third Ahead of 99% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $6.9M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.00% | 76.53% | Context |
What it means for lending operations
Its efficiency ratio of 37.48% is better than the 59.12% 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
- Citizens Federal Savings Bank Leavenworth, KS · $190M
- Community Bank Topeka, KS · $189M
- The Fidelity State Bank and Trust Company Dodge City, KS · $195M
- Southwind Bank Natoma, KS · $187M
- Lyons Federal Bank Lyons, KS · $198M
- Home Bank and Trust Company Eureka, KS · $183M
Questions about Garden Plain State Bank
How big is Garden Plain State Bank?
Garden Plain State Bank, established in 1966, is headquartered in Wichita, KS. It reported $191M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Garden Plain State Bank's return on assets?
1.95% annualized in Q2 2026, against a 1.43% median for 86 KS banks with half to twice its assets, ahead of 85% of them.
What is Garden Plain State Bank's efficiency ratio?
37.48% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 59.12%, and lower is better.
Is Garden Plain State Bank growing its loans?
Net loans grew 10.4% over the year to Q2 2026, while deposits grew 15.2%.
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.