American Bank of Baxter Springs: how it compares with its peers
Against 84 KS banks with half to twice its assets, American Bank of Baxter Springs's strongest measure in Q2 2026 is return on assets (1.38% vs. a 1.44% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 1.44% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 3.99% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.39% | 58.42% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.0M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.21% | 76.29% | Context |
What it means for lending operations
Its efficiency ratio of 61.39% 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
- Farmers National Bank Phillipsburg, KS · $173M
- Impact Bank Wellington, KS · $167M
- The Community Bank Liberal, KS · $174M
- The First National Bank of Scott City Scott City, KS · $174M
- Bank of Prairie Village Prairie Village, KS · $176M
- First Bank Sterling, KS · $162M
Questions about American Bank of Baxter Springs
How big is American Bank of Baxter Springs?
American Bank of Baxter Springs, established in 1917, is headquartered in Baxter Springs, KS. It reported $170M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is American Bank of Baxter Springs's return on assets?
1.38% annualized in Q2 2026, against a 1.44% median for 84 KS banks with half to twice its assets, ahead of 44% of them.
What is American Bank of Baxter Springs's efficiency ratio?
61.39% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 58.42%, and lower is better.
Is American Bank of Baxter Springs growing its loans?
Net loans grew 15.1% over the year to Q2 2026, while deposits shrank 10.4%.
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.