The First State Bank of Ransom: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 84.82 percentage points in Q2 2026, from 681.25% to 766.07%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The First State Bank of Ransom is 87th of 182 on return on assets, 1.49% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, The First State Bank of Ransom reported 1.49% on return on assets in Q2 2026, 0.51 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 32.77% |
| Tier 1 risk-based capital ratio | 32.77% |
| Total risk-based capital ratio | 34.02% |
| Tier 1 leverage ratio | 20.06% |
| Equity capital to assets | 17.82% |
| Tangible equity to tangible assets | 17.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 0.84% |
| Allowance for credit losses to loans | 1.88% |
| Reserve coverage of non-performing loans | 766.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 8.49% |
| Net interest margin | 2.89% |
| Efficiency ratio | 58.72% |
| Yield on earning assets | 4.33% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.02% |
| Core deposits to total deposits | 88.04% |
| Brokered deposits to total deposits | 6.89% |
| Deposits to assets | 81.62% |
| Securities to assets | 44.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 36.41% | 36.41% | 37.66% | 21.21% | 0.74% |
| Q4 2023 | 37.36% | 37.36% | 38.61% | 20.54% | 0.24% |
| Q1 2024 | 37.89% | 37.89% | 39.14% | 19.75% | 0.78% |
| Q2 2024 | 36.97% | 36.97% | 38.22% | 21.50% | 0.49% |
| Q3 2024 | 37.93% | 37.93% | 39.19% | 21.88% | 0.60% |
| Q4 2024 | 37.33% | 37.33% | 38.58% | 20.77% | 0.43% |
| Q1 2025 | 36.90% | 36.90% | 38.16% | 21.26% | 0.74% |
| Q2 2025 | 33.54% | 33.54% | 34.79% | 21.21% | 0.66% |
| Q3 2025 | 34.27% | 34.27% | 35.52% | 20.32% | 0.78% |
| Q4 2025 | 34.80% | 34.80% | 36.05% | 20.61% | 0.47% |
| Q1 2026 | 34.73% | 34.73% | 35.98% | 20.22% | 0.85% |
| Q2 2026 | 32.77% | 32.77% | 34.02% | 20.06% | 1.49% |
The First State Bank of Ransom vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Ransom, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First State Bank of Ransom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15469) · FFIEC NIC profile (RSSD 471057)