State Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, State Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 3.95% peer median). Its weakest relative measure is return on assets (1.09% vs. 1.19%).
| Measure | State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.19% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.95% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.49% | 64.83% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.5M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.78% | 74.79% | Context |
What it means for lending operations
Its efficiency ratio of 65.49% is above the 64.83% 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
- The Baldwin State Bank Baldwin City, KS · $116M
- Peoples Bank of Greensboro Greensboro, AL · $116M
- The Commercial Bank Of Ozark Ozark, AL · $115M
- Neighbors Bank Clarence, MO · $116M
- The Lyndon State Bank Lyndon, KS · $115M
- Home Savings Bank Chanute, KS · $115M
Questions about State Bank
How big is State Bank?
State Bank, established in 1997, is headquartered in Green River, WY. It reported $115M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is State Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.19% median for 999 U.S. banks with half to twice its assets, ahead of 44% of them.
What is State Bank's efficiency ratio?
65.49% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.83%, and lower is better.
Is State Bank growing its loans?
Net loans grew 19.5% over the year to Q2 2026, while deposits grew 20.0%.
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 Wyoming bank ranked.