The First National Bank of Scott City: how it compares with its peers
Against 84 KS banks with half to twice its assets, The First National Bank of Scott City's strongest measure in Q2 2026 is efficiency ratio (48.20% vs. a 58.69% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.43% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.54% | 3.97% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.20% | 58.69% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.0M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.31% | 76.29% | Context |
What it means for lending operations
Its efficiency ratio of 48.20% 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
- The Community Bank Liberal, KS · $174M
- Farmers National Bank Phillipsburg, KS · $173M
- Bank of Prairie Village Prairie Village, KS · $176M
- American Bank of Baxter Springs Baxter Springs, KS · $170M
- The Farmers State Bank of Aliceville, Kansas Westphalia, KS · $180M
- Impact Bank Wellington, KS · $167M
Questions about The First National Bank of Scott City
How big is The First National Bank of Scott City?
The First National Bank of Scott City, established in 1902, is headquartered in Scott City, KS. It reported $174M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Scott City's return on assets?
1.67% annualized in Q2 2026, against a 1.43% median for 84 KS banks with half to twice its assets, ahead of 68% of them.
What is The First National Bank of Scott City's efficiency ratio?
48.20% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is The First National Bank of Scott City growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits shrank 2.1%.
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.