KS Statebank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.03 percentage points higher than in Q1 2026, at 58.31%. Within Kansas, KS Statebank is 29th of 182 on return on assets, 2.04% as of Q2 2026, above the middle of the field. KS Statebank's return on assets of 2.04% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.76 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 | 12.97% |
| Equity capital to assets | 13.17% |
| Tangible equity to tangible assets | 13.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.28% |
| Non-performing assets ratio | 2.71% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 18.62% |
| Allowance for credit losses to loans | 1.92% |
| Reserve coverage of non-performing loans | 58.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 15.64% |
| Net interest margin | 3.71% |
| Efficiency ratio | 35.24% |
| Yield on earning assets | 6.51% |
| Cost of funds | 3.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.56% |
| Core deposits to total deposits | 84.22% |
| Brokered deposits to total deposits | 4.71% |
| Deposits to assets | 83.47% |
| Securities to assets | 16.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.11% | 1.20% | 2.78% | 1.17% | -0.01% |
| Q4 2023 | 12.58% | 1.72% | 2.87% | 1.06% | 0.05% |
| Q1 2024 | 12.69% | 1.10% | 2.80% | 1.10% | 0.05% |
| Q2 2024 | 12.80% | 1.14% | 2.88% | 1.69% | 0.02% |
| Q3 2024 | 12.96% | 1.52% | 3.09% | 1.61% | 0.12% |
| Q4 2024 | 13.32% | 2.16% | 3.94% | 0.81% | 0.39% |
| Q1 2025 | 11.98% | 1.75% | 3.28% | 0.97% | -0.05% |
| Q2 2025 | 11.62% | 1.60% | 3.28% | 2.03% | 0.00% |
| Q3 2025 | 11.75% | 1.49% | 3.17% | 3.42% | 0.01% |
| Q4 2025 | 12.41% | 1.97% | 3.61% | 3.14% | 0.13% |
| Q1 2026 | 12.73% | 1.89% | 3.58% | 3.40% | 0.01% |
| Q2 2026 | 12.97% | 2.04% | 3.71% | 3.28% | 0.06% |
KS Statebank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock KS Statebank, 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 KS Statebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19899) · FFIEC NIC profile (RSSD 160959)