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American Bank of Baxter Springs

$100M-$1B Specialty: Agricultural KS FDIC cert 4624

Baxter Springs, KS

3 branches across KS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits -10.4% year over year ($152.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.38%.
  • Efficiency ratio 61.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.21% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

American Bank of Baxter Springs has 4 strengths but faces 4 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

  • + Credit Quality Leader: Top 46.3% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.06% above tier average
  • + Efficiency Ratio 3.08% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 1.5% in tier
  • - Deposit Outflow: Bottom 21.1% in tier
  • - Cost Spiral: Bottom 37.7% in tier
  • - Net Interest Margin 0.23% below tier average
Get updates when American Bank of Baxter Springs releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $170.2M
-8.7% YoY -9.1% QoQ
-$216.3M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $102.4M
+15.1% YoY +6.7% QoQ
-$156.0M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $152.3M
-10.4% YoY -10.3% QoQ
-$174.4M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 1.38%
-22.8% YoY +20.5% QoQ
+0.06% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.76%
-4.5% YoY +5.3% QoQ
-0.23% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 61.39%
+12.4% YoY -6.2% QoQ
-3.08% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 67.21%
+28.4% YoY +19.0% QoQ
-10.74% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 12.38%
+1.4% YoY +2.4% QoQ
-9.65% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.98%
+3.6% YoY +8.5% QoQ
-5.92% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 10.5% in tier
Non-Interest Income / Assets ? 0.18%
+12.9% YoY +167.0% QoQ
-0.39% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
43%

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 12.4%
+0.2pp YoY
+0.3pp QoQ
 -9.8pp 22.1% 22.3% 22.2% 15%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 9.4%
-1.3pp YoY
+0.3pp QoQ
 -2.1pp 11.6% 12.6% 12.5% 49%
CRE 17.1%
0.0pp YoY
-0.2pp QoQ
 -22.4pp 39.5% 28.8% 41.4% 14%
1-4 Family 22.9%
+1.5pp YoY
-0.5pp QoQ
 -9.7pp 32.6% 26.7% 31.3% 36%
Consumer 0.6%
0.0pp YoY
0.0pp QoQ
 -3.5pp 4.1% 4.6% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 10.0%
+0.3pp YoY
+0.8pp QoQ
 -2.2pp 12.2% 12.6% 12.6% 31%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 29
-2 (-6.5%) YoY
-1 (-3.3%) QoQ
 -30 58 70 482 25%
Assets per Employee ($) $5.9M
-2.4% YoY
-5.9% QoQ
 -$1.6M $7.5M $7.1M $8.8M 31%
Branch Count 3
0 YoY
0 QoQ
 -2 4 6 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 22.44x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 14.9%
-6.1pp YoY
+2.0pp QoQ
 +2.7pp 12.2% 14.3% 11.6% 67%
Cost of Funds (YTD) 1.3%
+0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 22%
Net Income ($, YTD) $1.3M
-18.8% YoY
— QoQ
 -$1.3M $2.6M $3.7M $40.4M 35%

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)

Credit Quality Leader

growth
#306 of 659 • Top 46.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Capital Thin

risk
#11 of 661 • Bottom 1.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.98%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#114 of 535 • Bottom 21.1% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Cost Spiral

risk
#53 of 138 • Bottom 37.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 61.39%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2367
Tier 1 Capital Ratio
capital
Value: 9.98%
Peer Median: 15.91%
#2367 of 2643 Bottom 10.5% in $100M-$1B
2233
Non-Interest-Bearing Deposit Share
funding
Value: 12.38%
Peer Median: 22.03%
#2233 of 2643 Bottom 15.6% in $100M-$1B
2137
Total Assets
size
Value: $170.24M
Peer Median: $386.57M
#2137 of 2643 Bottom 19.2% in $100M-$1B
2124
Total Loans
size
Value: $102.39M
Peer Median: $258.35M
#2124 of 2643 Bottom 19.7% in $100M-$1B
2059
Total Deposits
size
Value: $152.34M
Peer Median: $326.73M
#2059 of 2643 Bottom 22.1% in $100M-$1B
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