Ventura National Bank & Trust: how it compares with its peers
Against 32 KS banks with half to twice its assets, Ventura National Bank & Trust's strongest measure in Q2 2026 is net interest margin (3.23% vs. a 3.79% peer median). Its weakest relative measure is return on assets (-0.46% vs. 1.27%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.46% | 1.27% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.23% | 3.79% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 122.02% | 64.34% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.8M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 111.13% | 59.27% | Context |
What it means for lending operations
Its efficiency ratio of 122.02% is above the 64.34% 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 State Bank Phillipsburg, KS · $43M
- Union State Bank Olsburg, KS · $44M
- NINNESCAH VALLEY BANK Cunningham, KS · $45M
- Cottonwood Valley Bank Cedar Point, KS · $38M
- The State Bank of Canton, Canton, Kansas Canton, KS · $37M
- The Marion National Bank Marion, KS · $35M
Questions about Ventura National Bank & Trust
How big is Ventura National Bank & Trust?
Ventura National Bank & Trust, established in 1920, is headquartered in Harveyville, KS. It reported $42M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Ventura National Bank & Trust's return on assets?
-0.46% annualized in Q2 2026, against a 1.27% median for 32 KS banks with half to twice its assets, ahead of 0% of them.
What is Ventura National Bank & Trust's efficiency ratio?
122.02% in Q2 2026: it spent about 122 cents in noninterest expense for each dollar of revenue. The peer median is 64.34%, and lower is better.
Is Ventura National Bank & Trust growing its loans?
Net loans grew 44.8% over the year to Q2 2026, while deposits grew 17.6%.
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.