Bank of the Flint Hills: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Flint Hills of Wamego, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.61% | 1.34% | +0.27% | 69th above |
| ROAE | 20.21% | 13.32% | +6.89% | 87th top |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 60.44% | 61.13% | -0.69% | 52nd above |
| PPNR / Avg Assets | 1.76% | 1.68% | +0.08% | 60th above |
| Yield on Earning Assets | 6.21% | 5.67% | +0.54% | 77th top |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 85th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 55th above |
| ACL / NPLs (Coverage) | 26910.00% | 1531.49% | +25378.51% | — |
| Texas Ratio | 0.89% | 7.34% | -6.45% | 74th above |
| Provision / NCO | 1533.33% | 1394.76% | +138.57% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.03% | 19.49% | -9.46% | 3rd bottom |
| Tier 1 Ratio | 10.03% | 19.53% | -9.50% | 2nd bottom |
| Total Capital Ratio | 11.22% | 20.61% | -9.39% | 3rd bottom |
| Leverage Ratio | 8.65% | 12.14% | -3.49% | 8th bottom |
| Equity / Assets | 7.69% | 11.37% | -3.68% | 11th bottom |
| TCE / Tangible Assets | 7.66% | 11.09% | -3.43% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.37% | 80.66% | +10.71% | 26th below |
| Core Deposit Ratio | 93.73% | 86.85% | +6.88% | 78th top |
| Wholesale Funding Ratio | 5.09% | 5.04% | +0.05% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.03% | 6.84% | +7.19% | 90th top |
| Loan Growth (Y/Y) | 13.72% | 7.91% | +5.81% | 84th top |
| Deposit Growth (Y/Y) | 11.24% | 6.29% | +4.95% | 86th top |
See Bank of the Flint Hills's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Flint Hills, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the Flint Hills profile, how to read a UBPR, or how this data updates.