Johnson State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Johnson State Bank of Johnson, KS against its peer group of 506 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 | 0.80% | 0.80% | +0.00% | 31st below |
| ROAE Ahead of the peer average, behind the median peer. | 6.27% | 4.56% | +1.71% | 21st bottom |
| Net Interest Margin | 3.24% | 3.96% | -0.72% | 20th bottom |
| Efficiency Ratio | 78.29% | 76.29% | +2.00% | 26th below |
| PPNR / Avg Assets | 0.68% | — | — | 20th bottom |
| Yield on Earning Assets | 4.73% | 5.45% | -0.72% | 28th below |
| Cost of Funds | 1.73% | 1.72% | +0.01% | 30th below |
| Net Interest Spread | 2.45% | — | — | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.12% | 1.41% | -1.29% | 48th below |
| NPA / Total Assets | 1.86% | — | — | 8th bottom |
| NCO / Avg Loans | -0.02% | 0.10% | -0.12% | 85th top |
| ACL / Total Loans | 3.64% | — | — | 95th top |
| ACL / NPLs (Coverage) | 3086.67% | — | — | — |
| Texas Ratio | 13.13% | 8.94% | +4.19% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.40% | 14.22% | +1.18% | 69th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.66% | 13.16% | -0.50% | 61st above |
| TCE / Tangible Assets | 12.66% | — | — | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.35% | 69.24% | -20.89% | 72nd above |
| Core Deposit Ratio | 70.08% | 88.77% | -18.69% | 3rd bottom |
| Wholesale Funding Ratio | 2.81% | — | — | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.40% | — | — | 79th top |
| Loan Growth (Y/Y) | 7.05% | — | — | 80th top |
| Deposit Growth (Y/Y) | 8.48% | — | — | 89th top |
See Johnson State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Johnson State Bank, 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 Johnson State Bank profile, how to read a UBPR, or how this data updates.