Bank of the Flint Hills: how it compares with its peers
Against 58 KS banks with half to twice its assets, Bank of the Flint Hills's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 3.97% peer median). Its weakest relative measure is efficiency ratio (61.14% vs. 54.79%).
| Measure | Bank of the Flint Hills | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 1.53% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.97% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.14% | 54.79% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.7M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.23% | 77.15% | Context |
What it means for lending operations
Its efficiency ratio of 61.14% is above the 54.79% 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
- Labette Bank Altamont, KS · $544M
- Silver Lake Bank Topeka, KS · $548M
- Citizens Bank of Kansas Kingman, KS · $548M
- The Peoples Bank Pratt, KS · $531M
- Mid-America Bank Baldwin City, KS · $573M
- First State Bank and Trust Tonganoxie, KS · $515M
Questions about Bank of the Flint Hills
How big is Bank of the Flint Hills?
Bank of the Flint Hills, established in 1875, is headquartered in Wamego, KS. It reported $545M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Bank of the Flint Hills's return on assets?
1.56% annualized in Q2 2026, against a 1.53% median for 58 KS banks with half to twice its assets, ahead of 53% of them.
What is Bank of the Flint Hills's efficiency ratio?
61.14% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 54.79%, and lower is better.
Is Bank of the Flint Hills growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits grew 11.2%.
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.