Kansas State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kansas State Bank of Ottawa, 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 | 1.51% | 1.34% | +0.17% | 63rd above |
| ROAE | 17.27% | 13.32% | +3.95% | 77th top |
| Net Interest Margin | 3.37% | 3.93% | -0.56% | 22nd bottom |
| Efficiency Ratio | 56.59% | 61.13% | -4.54% | 64th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 4.70% | 5.67% | -0.97% | 14th bottom |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 2.90% | 3.32% | -0.42% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 0.94% | -0.09% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.70% | -0.38% | 49th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.67% | 1.28% | +0.39% | 86th top |
| ACL / NPLs (Coverage) | 196.59% | 1546.42% | -1349.83% | 47th below |
| Texas Ratio | 3.51% | 7.34% | -3.83% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.25% | 12.14% | -2.89% | 16th bottom |
| Equity / Assets | 8.60% | 11.37% | -2.77% | 21st bottom |
| TCE / Tangible Assets | 8.60% | 11.08% | -2.48% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.22% | 80.67% | -38.45% | 95th top |
| Core Deposit Ratio | 93.53% | 86.85% | +6.68% | 77th top |
| Wholesale Funding Ratio | 0.80% | 5.04% | -4.24% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.00% | 6.84% | -3.84% | 40th below |
| Loan Growth (Y/Y) | -1.52% | 7.92% | -9.44% | 17th bottom |
| Deposit Growth (Y/Y) | 2.76% | 6.29% | -3.53% | 41st below |
See Kansas State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kansas 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 Kansas State Bank profile, how to read a UBPR, or how this data updates.