KS Statebank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks KS Statebank of Manhattan, KS against its peer group of 931 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 | 2.04% | 1.46% | +0.58% | 88th top |
| ROAE | 15.64% | 12.71% | +2.93% | 75th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.71% | 3.85% | -0.14% | 50th above |
| Efficiency Ratio | 35.24% | 57.43% | -22.19% | 96th top |
| PPNR / Avg Assets | 2.18% | 1.88% | +0.30% | 77th top |
| Yield on Earning Assets | 6.51% | 5.72% | +0.79% | 89th top |
| Cost of Funds | 3.20% | 2.01% | +1.19% | 5th bottom |
| Net Interest Spread | 2.95% | 3.18% | -0.23% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.28% | 1.00% | +2.28% | 4th bottom |
| NPA / Total Assets | 2.71% | 0.76% | +1.95% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 38th below |
| ACL / Total Loans | 1.92% | 1.31% | +0.61% | 95th top |
| ACL / NPLs (Coverage) | 58.31% | 543.85% | -485.54% | 12th bottom |
| Texas Ratio | 18.62% | 7.38% | +11.24% | 8th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 267.56% | 619.02% | -351.46% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.97% | 11.43% | +1.54% | 85th top |
| Equity / Assets | 13.17% | 11.33% | +1.84% | 85th top |
| TCE / Tangible Assets | 13.17% | 10.50% | +2.67% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.56% | 86.95% | +7.61% | 31st below |
| Core Deposit Ratio | 84.22% | 85.56% | -1.34% | 32nd below |
| Uninsured Deposit Ratio | 21.85% | 33.13% | -11.28% | 80th top |
| Wholesale Funding Ratio | 2.77% | 5.71% | -2.94% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.67% | 9.69% | -11.36% | 9th bottom |
| Loan Growth (Y/Y) | 0.66% | 8.06% | -7.40% | 20th bottom |
| Deposit Growth (Y/Y) | -2.74% | 7.88% | -10.62% | 8th bottom |
See KS Statebank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock KS Statebank, 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 KS Statebank profile, how to read a UBPR, or how this data updates.