SJN Bank of Kansas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks SJN Bank of Kansas of Saint John, KS against its peer group of 2672 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 15.86% | 13.31% | +2.55% | 71st above |
| Net Interest Margin | 4.64% | 3.93% | +0.71% | 84th top |
| Efficiency Ratio | 57.14% | 61.14% | -4.00% | 62nd above |
| PPNR / Avg Assets | 1.74% | 1.68% | +0.06% | 59th above |
| Yield on Earning Assets | 6.05% | 5.67% | +0.38% | 71st above |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 4.15% | 3.32% | +0.83% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.30% | 0.94% | +1.36% | 11th bottom |
| NPA / Total Assets | 1.44% | 0.70% | +0.74% | 13th bottom |
| NCO / Avg Loans | 0.41% | 0.16% | +0.25% | 7th bottom |
| ACL / Total Loans | 2.10% | 1.28% | +0.82% | 94th top |
| ACL / NPLs (Coverage) | 91.37% | 1539.14% | -1447.77% | 25th below |
| Texas Ratio | 43.45% | 7.32% | +36.13% | 1st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 327.87% | 1395.97% | -1068.10% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.22% | 19.51% | -7.29% | 20th bottom |
| Tier 1 Ratio | 12.22% | 19.54% | -7.32% | 19th bottom |
| Total Capital Ratio | 13.48% | 20.62% | -7.14% | 22nd bottom |
| Leverage Ratio | 9.24% | 12.14% | -2.90% | 16th bottom |
| Equity / Assets | 9.10% | 11.38% | -2.28% | 29th below |
| TCE / Tangible Assets | 8.74% | 11.09% | -2.35% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.93% | 80.64% | -7.71% | 66th above |
| Core Deposit Ratio | 90.46% | 86.86% | +3.60% | 57th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.68% | 5.03% | -0.35% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.28% | 6.85% | +4.43% | 86th top |
| Loan Growth (Y/Y) | 17.58% | 7.90% | +9.68% | 90th top |
| Deposit Growth (Y/Y) | 31.56% | 6.28% | +25.28% | 97th top |
See SJN Bank of Kansas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock SJN Bank of Kansas, 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 SJN Bank of Kansas profile, how to read a UBPR, or how this data updates.