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Bankers' Bank of Kansas

$100M-$1B Specialty: Commercial KS FDIC cert 27351

Wichita, KS

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

Bankers' Bank of Kansas has 2 strengths but faces 5 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

  • + Deposit Franchise: Top 8.8% in tier
  • + Revenue Diversifier: Top 18.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.2% in tier
  • - Deposit Outflow: Bottom 48.0% in tier
  • - ROA 0.56% below tier average
  • - Efficiency Ratio 13.62% above tier average
  • - Delinquency Rate 0.77% above tier average
Get updates when Bankers' Bank of Kansas releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $212.2M
-6.8% YoY -0.9% QoQ
-$173.8M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
30%
Total Loans ? $165.6M
+23.5% YoY +9.3% QoQ
-$90.1M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
40%
Total Deposits ? $124.9M
-0.9% YoY -6.8% QoQ
-$203.0M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
Bottom 13.4% in tier
Return on Assets ? 0.71%
+21.1% YoY +21.7% QoQ
-0.56% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
21%
Net Interest Margin ? 5.15%
+10.2% YoY +5.7% QoQ
+1.22% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
Top 5.4% in tier
Efficiency Ratio ? 78.91%
-6.9% YoY -3.2% QoQ
+13.62% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
17%
Delinquency Rate ? 1.65%
+379.7% YoY -10.1% QoQ
+0.77% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
16%
Loan-to-Deposit Ratio ? 132.57%
+24.6% YoY +17.2% QoQ
+55.93% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
Bottom 0.4% in tier
Non-Interest-Bearing Deposit Share ? 74.39%
-1.4% YoY +13.4% QoQ
+52.37% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
Top 0.3% in tier
Nonperforming Asset Ratio ? 1.29%
+535.9% YoY -0.8% QoQ
+0.65% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
Bottom 14.3% in tier
Tier 1 Capital Ratio ? 18.43%
-18.6% YoY -8.8% QoQ
+2.60% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.98%
+19.9% YoY -74.1% QoQ
+0.70% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
Top 1.6% in tier

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 (2)

Deposit Franchise

growth
#25 of 272 • Top 8.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 74.39%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.15%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#127 of 666 • Top 18.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.98%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 0.71%
(Tier: 1.27%, National: 1.23%)
but worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#106 of 739 • Bottom 14.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.43%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 132.57%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#244 of 506 • Bottom 48.0% in tier

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

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

8
Non-Interest-Bearing Deposit Share
funding
Value: 74.39%
Peer Median: 22.02%
#8 of 2664 Top 0.3% in $100M-$1B
44
Non-Interest Income / Assets
revenue_mix
Value: 0.98%
Peer Median: 0.28%
#44 of 2664 Top 1.6% in $100M-$1B
146
Net Interest Margin
profitability
Value: 5.15%
Peer Median: 3.93%
#146 of 2664 Top 5.4% in $100M-$1B
476
Tier 1 Capital Ratio
capital
Value: 18.43%
Peer Median: 15.83%
#476 of 2664 Top 17.8% in $100M-$1B

Top Weaknesses (6 metrics)

2654
Loan-to-Deposit Ratio
liquidity
Value: 132.57%
Peer Median: 76.64%
#2654 of 2664 Bottom 0.4% in $100M-$1B
2307
Total Deposits
size
Value: $124.94M
Peer Median: $327.97M
#2307 of 2664 Bottom 13.4% in $100M-$1B
2285
Nonperforming Asset Ratio
credit_quality
Value: 1.29%
Peer Median: 0.64%
#2285 of 2664 Bottom 14.3% in $100M-$1B
2224
Delinquency Rate
credit_quality
Value: 1.65%
Peer Median: 0.89%
#2224 of 2654 Bottom 16.2% in $100M-$1B
2222
Efficiency Ratio
profitability
Value: 78.91%
Peer Median: 65.29%
#2222 of 2664 Bottom 16.6% in $100M-$1B
2097
Return on Assets
profitability
Value: 0.71%
Peer Median: 1.27%
#2097 of 2664 Bottom 21.3% in $100M-$1B
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