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KS StateBank

$1B-$10B Specialty: Commercial KS FDIC cert 19899

Designations: ✓ Community bank

Manhattan, KS

6 branches across KS · AZ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits -2.7% year over year ($2.2B on the books).
  • Delinquency rate 2.54%.
  • Return on assets 1.95%.
  • Efficiency ratio 38.79% vs a 59.73% peer average.
  • Loan-to-deposit ratio 92.75% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

KS StateBank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 45.0% in tier
  • + Efficiency Ratio 20.94% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.4% in tier
  • - Deposit Outflow: Bottom 25.2% in tier
  • - Delinquency Rate 1.68% above tier average
  • - Nonperforming Asset Ratio 1.55% above tier average
  • - Non-Interest Income / Assets 0.45% below tier average
  • - Net Interest Margin 0.49% below tier average
Get updates when KS StateBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $2.6B
-1.7% YoY +0.4% QoQ
-$196.2M $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $2.0B
+0.6% YoY +1.3% QoQ
+$47.4M $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $2.2B
-2.7% YoY +0.5% QoQ
-$151.0M $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.95%
+16.7% YoY +4.3% QoQ
+0.56% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 13.6% in tier
Net Interest Margin ? 3.38%
+11.0% YoY +2.3% QoQ
-0.49% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 38.79%
-2.3% YoY -1.6% QoQ
-20.94% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 6.3% in tier
Delinquency Rate ? 2.54%
+114.0% YoY +4.4% QoQ
+1.68% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Bottom 6.2% in tier
Loan-to-Deposit Ratio ? 92.75%
+3.4% YoY +0.8% QoQ
+7.71% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 9.77%
-5.4% YoY -7.5% QoQ
-11.50% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Bottom 10.1% in tier
Nonperforming Asset Ratio ? 2.22%
+115.9% YoY +6.7% QoQ
+1.55% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Bottom 5.2% in tier
Tier 1 Capital Ratio ? 12.97%
+11.6% YoY +1.9% QoQ
-1.88% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.08%
+31.6% YoY +75.0% QoQ
-0.45% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Bottom 5.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 9.8%
-0.6pp YoY
-0.8pp QoQ
 -11.6pp 21.4% 22.3% 22.2% 10%
Brokered Deposits 4.7%
-1.8pp YoY
0.0pp QoQ
 -4.7pp 9.5% 8.7% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 14.1%
+0.4pp YoY
-0.4pp QoQ
 +0.1pp 14.0% 12.6% 12.5% 64%
CRE 47.3%
+1.8pp YoY
+0.4pp QoQ
 -2.7pp 50.0% 28.8% 41.4% 43%
1-4 Family 24.6%
-2.0pp YoY
+0.2pp QoQ
 -1.8pp 26.4% 26.7% 31.3% 54%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -4.4pp 4.7% 4.6% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 23.3% 19.7% n/a
Leverage Ratio 13.0%
+1.3pp YoY
+0.2pp QoQ
 +1.7pp 11.3% 12.6% 12.6% 85%
Total Capital Ratio n/a n/a 16.7% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 186
+4 (+2.2%) YoY
+2 (+1.1%) QoQ
 -128 313 70 482 36%
Assets per Employee ($) $14.0M
-3.8% YoY
-0.7% QoQ
 +$3.5M $10.5M $7.1M $8.8M 86%
Branch Count 6
0 YoY
0 QoQ
 -14 20 6 18 14%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 50%
Nonaccrual 2.7%
+1.5pp YoY
+0.1pp QoQ
 +1.9pp 0.8% 0.8% 1.0% 95%
Allowance Coverage 0.77x
-51.8% YoY
-5.8% QoQ
 -17.94x 18.71x 22.44x 20.23x 15%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 15.2%
+1.5pp YoY
+0.4pp QoQ
 +2.6pp 12.6% 14.3% 11.6% 75%
Cost of Funds (YTD) 2.8%
-0.2pp YoY
0.0pp QoQ
 +0.9pp 1.9% 1.6% 1.7% 92%
Net Income ($, YTD) $25.4M
+17.6% YoY
— QoQ
 +$6.2M $19.2M $3.7M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#101 of 222 • Top 45.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#35 of 361 • Bottom 9.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.75%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#34 of 131 • Bottom 25.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

57
Efficiency Ratio
profitability
Value: 38.79%
Peer Median: 59.73%
#57 of 885 Top 6.3% in $1B-$10B
121
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.39%
#121 of 885 Top 13.6% in $1B-$10B

Top Weaknesses (4 metrics)

840
Nonperforming Asset Ratio
credit_quality
Value: 2.22%
Peer Median: 0.67%
#840 of 885 Bottom 5.2% in $1B-$10B
835
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#835 of 885 Bottom 5.8% in $1B-$10B
828
Delinquency Rate
credit_quality
Value: 2.54%
Peer Median: 0.87%
#828 of 882 Bottom 6.2% in $1B-$10B
797
Non-Interest-Bearing Deposit Share
funding
Value: 9.77%
Peer Median: 21.27%
#797 of 885 Bottom 10.1% in $1B-$10B
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