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 Overbrook, KS against its peer group of 2757 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 | 1.94% | 1.25% | +0.69% | 83rd top |
| ROAE | 17.81% | 13.17% | +4.64% | 79th top |
| Net Interest Margin | 3.98% | 3.95% | +0.03% | 52nd above |
| Efficiency Ratio | 32.37% | 61.50% | -29.13% | 98th top |
| PPNR / Avg Assets | 2.81% | — | — | 94th top |
| Yield on Earning Assets | 5.72% | 5.67% | +0.05% | 55th above |
| Cost of Funds | 2.11% | 1.87% | +0.24% | 31st below |
| Net Interest Spread | 3.29% | — | — | 47th 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. | 0.65% | 0.93% | -0.28% | 39th below |
| NPA / Total Assets | 0.39% | — | — | 44th below |
| NCO / Avg Loans | 0.22% | 0.15% | +0.07% | 11th bottom |
| ACL / Total Loans | 2.85% | — | — | 98th top |
| ACL / NPLs (Coverage) | 438.19% | — | — | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.27% | 6.06% | -2.79% | 46th below |
| Provision / NCO | 181.82% | — | — | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.17% | 11.75% | +1.42% | 76th top |
| Equity / Assets | 11.29% | 10.98% | +0.31% | 63rd above |
| TCE / Tangible Assets | 11.29% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.03% | 80.44% | -7.41% | 66th above |
| Core Deposit Ratio | 79.90% | 86.95% | -7.05% | 16th bottom |
| Wholesale Funding Ratio | 5.43% | — | — | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.70% | — | — | 78th top |
| Loan Growth (Y/Y) | 8.99% | — | — | 69th above |
| Deposit Growth (Y/Y) | 9.73% | — | — | 81st top |
See Kansas State Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Kansas State Bank peer analysis.