SJN Bank of Kansas: how it compares with its peers
Against 80 KS banks with half to twice its assets, SJN Bank of Kansas's strongest measure in Q2 2026 is net interest margin (4.43% vs. a 3.98% peer median). Its weakest relative measure is return on assets (0.91% vs. 1.49%).
| Measure | SJN Bank of Kansas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.49% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.98% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.99% | 58.69% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.8M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.40% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 63.99% is above the 58.69% 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
- First Heritage Bank Centralia, KS · $303M
- Grant County Bank Ulysses, KS · $298M
- Kaw Valley State Bank and Trust Company Wamego, KS · $296M
- First Kansas Bank Hoisington, KS · $294M
- Vintage Bank Kansas Leon, KS · $289M
- Centera Bank Sublette, KS · $318M
Questions about SJN Bank of Kansas
How big is SJN Bank of Kansas?
SJN Bank of Kansas, established in 1905, is headquartered in Saint John, KS. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is SJN Bank of Kansas's return on assets?
0.91% annualized in Q2 2026, against a 1.49% median for 80 KS banks with half to twice its assets, ahead of 9% of them.
What is SJN Bank of Kansas's efficiency ratio?
63.99% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is SJN Bank of Kansas growing its loans?
Net loans grew 17.6% over the year to Q2 2026, while deposits grew 31.6%.
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.