Southwind Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, Southwind Bank's strongest measure in Q2 2026 is assets per employee ($9.8M vs. a $7.0M peer median). Its weakest relative measure is return on assets (1.28% vs. 1.44%).
| Measure | Southwind Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.44% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 3.99% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.13% | 58.69% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $7.0M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.37% | 76.29% | Context |
What it means for lending operations
Its efficiency ratio of 50.13% is better than the 58.69% 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
- Community Bank Topeka, KS · $189M
- Home Bank and Trust Company Eureka, KS · $183M
- Citizens Federal Savings Bank Leavenworth, KS · $190M
- The Solomon State Bank Solomon, KS · $183M
- Garden Plain State Bank Wichita, KS · $191M
- The Farmers State Bank Mcpherson, KS · $180M
Questions about Southwind Bank
How big is Southwind Bank?
Southwind Bank, established in 1909, is headquartered in Natoma, KS. It reported $187M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Southwind Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.44% median for 80 KS banks with half to twice its assets, ahead of 31% of them.
What is Southwind Bank's efficiency ratio?
50.13% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is Southwind Bank growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 9.3%.
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.