The First State Bank of Ransom: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First State Bank of Ransom of Ransom, KS against its peer group of 504 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 Behind the peer average, ahead of the median peer. | 1.49% | 3.13% | -1.64% | 68th above |
| ROAE Behind the peer average, ahead of the median peer. | 8.49% | 10.30% | -1.81% | 50th above |
| Net Interest Margin | 2.89% | 3.94% | -1.05% | 12th bottom |
| Efficiency Ratio | 58.72% | 76.34% | -17.62% | 72nd above |
| PPNR / Avg Assets | 1.12% | 1.40% | -0.28% | 45th below |
| Yield on Earning Assets | 4.33% | 5.36% | -1.03% | 18th bottom |
| Cost of Funds | 1.73% | 1.70% | +0.03% | 41st below |
| Net Interest Spread | 2.16% | 3.32% | -1.16% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 1.34% | -1.09% | 51st above |
| NPA / Total Assets | 0.11% | 0.71% | -0.60% | 52nd above |
| NCO / Avg Loans | 0.13% | 0.10% | +0.03% | 14th bottom |
| ACL / Total Loans | 1.88% | 1.49% | +0.39% | 80th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 766.07% | 865.56% | -99.49% | 86th top |
| Texas Ratio | 0.84% | 8.28% | -7.44% | 58th above |
| Provision / NCO | 0.00% | 291.12% | -291.12% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 32.77% | 62.26% | -29.49% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 32.77% | 62.27% | -29.50% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 34.02% | 63.23% | -29.21% | 69th above |
| Leverage Ratio | 20.06% | 17.64% | +2.42% | 80th top |
| Equity / Assets | 17.82% | 16.44% | +1.38% | 76th top |
| TCE / Tangible Assets | 17.82% | 16.19% | +1.63% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.02% | 72.87% | -15.85% | 64th above |
| Core Deposit Ratio | 88.04% | 88.28% | -0.24% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.98% | 4.26% | -3.28% | 39th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.18% | 6.76% | -2.58% | 57th above |
| Deposit Growth (Y/Y) | 0.09% | 3.72% | -3.63% | 39th below |
See The First State Bank of Ransom's peers by name
The 504 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank of Ransom, 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 The First State Bank of Ransom profile, how to read a UBPR, or how this data updates.