Kansas State Bank: 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 36.85 percentage points in Q2 2026, from 367.79% to 404.64%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Kansas State Bank is 30th of 182 on return on assets, 1.94% as of Q2 2026. Kansas State Bank's return on assets of 1.94% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.17% |
| Equity capital to assets | 11.29% |
| Tangible equity to tangible assets | 11.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 3.27% |
| Allowance for credit losses to loans | 2.85% |
| Reserve coverage of non-performing loans | 404.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.94% |
| Return on equity | 17.81% |
| Net interest margin | 3.98% |
| Efficiency ratio | 32.37% |
| Yield on earning assets | 5.72% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.03% |
| Core deposits to total deposits | 79.90% |
| Brokered deposits to total deposits | 10.74% |
| Deposits to assets | 82.86% |
| Securities to assets | 36.44% |
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 | 18.86% | 18.86% | 20.13% | 12.60% | 1.02% |
| Q4 2023 | 19.07% | 19.07% | 20.34% | 12.63% | 1.13% |
| Q1 2024 | 19.45% | 19.45% | 20.72% | 12.96% | 1.06% |
| Q2 2024 | 18.28% | 18.28% | 19.55% | 12.89% | 1.18% |
| Q3 2024 | 19.21% | 19.21% | 20.48% | 13.23% | 1.00% |
| Q4 2024 | 19.23% | 19.23% | 20.50% | 13.15% | 1.06% |
| Q1 2025 | 19.11% | 19.11% | 20.38% | 13.16% | 0.97% |
| Q2 2025 | 18.55% | 18.55% | 19.81% | 13.23% | 1.06% |
| Q3 2025 | — | — | — | 13.31% | 1.16% |
| Q4 2025 | — | — | — | 13.07% | 1.34% |
| Q1 2026 | — | — | — | 12.73% | 0.77% |
| Q2 2026 | — | — | — | 13.17% | 1.94% |
Kansas State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kansas State Bank, 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 Kansas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1865) · FFIEC NIC profile (RSSD 582654)