Armed Forces Bank, National Association: how it compares with its peers
Against 21 KS banks with half to twice its assets, Armed Forces Bank, National Association's strongest measure in Q2 2026 is return on assets (1.70% vs. a 1.43% peer median). Its weakest relative measure is efficiency ratio (65.56% vs. 60.35%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.43% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.94% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.56% | 60.35% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.7M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.33% | 76.89% | Context |
What it means for lending operations
Its efficiency ratio of 65.56% is above the 60.35% 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 Bennington State Bank Salina, KS · $1.42B
- Central National Bank Junction City, KS · $1.39B
- CoreFirst Bank & Trust Topeka, KS · $1.26B
- Peoples Bank and Trust Company Mcpherson, KS · $1.59B
- Landmark National Bank Manhattan, KS · $1.60B
- nbkc bank Leawood, KS · $1.24B
Questions about Armed Forces Bank, National Association
How big is Armed Forces Bank, National Association?
Armed Forces Bank, National Association, established in 1907, is headquartered in Fort Leavenworth, KS. It reported $1.42B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Armed Forces Bank, National Association's return on assets?
1.70% annualized in Q2 2026, against a 1.43% median for 21 KS banks with half to twice its assets, ahead of 81% of them.
What is Armed Forces Bank, National Association's efficiency ratio?
65.56% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is Armed Forces Bank, National Association growing its loans?
Net loans shrank 5.7% over the year to Q2 2026, while deposits shrank 0.3%.
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.