Bankers Index
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Bankers’ Index AN ANALYSIS OF KANSAS AND MISSOURI COMMUNITY BANKS Bankers’ Index The Bankers’ Index is published by the Kansas ASSET SIZE DEFINITION Kansas office of Moss Adams. For more information KANSAS CITY Group A $0–$250 million on the data presented in this report, contact 7285 West 132nd Street Suite 220 Group B $251 million–$500 million Ryan Stucky, Senior Manager, at (913) 202-7175. Overland Park, KS 66213 (913) 599-3236 Group C $501 million–$1 billion Group D Over $1 billion Kansas Performance Analysis Performance Analysis June 30, 2021 Run Date: August 13, 2021 Summary Trends of Historical Asset Group Averages: Return on Average Assets Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 1.10% 1.35% 1.05% 1.30% 1.25% 1.00% 1.20% 0.95% 1.15% 0.90% 1.10% 0.85% 1.05% 0.80% 1.00% 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Assets 1.02% 1.00% 0.97% 0.99% 1.02% 1.02% 0.91% 1.01% 1.06% Return on Avg Assets 1.28% 1.29% 1.32% 1.26% 1.25% 1.26% 1.23% 1.11% 1.27% Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 1.40% 2.50% 1.20% 2.00% 1.00% 1.50% 0.80% 0.60% 1.00% 0.40% 0.50% 0.20% 0.00% 0.00% 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Assets 1.19% 1.21% 1.20% 0.99% 1.26% 1.16% 1.30% 1.16% 1.25% Return on Avg Assets 1.17% 1.20% 1.23% 0.85% 0.96% 1.01% 0.98% 1.04% 2.09% Source: SNL Financial Note: Report includes only bank-level data. NA = data was not available. NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Graph Page 3 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021 Summary Trends of Historical Asset Group Averages: Return on Average Equity Asset Group A ‐ $0 to $250 million in Total Assets Asset Group B ‐ $251 to $500 million in Total Assets Year‐to‐Date Year‐to‐Date 9.50% 14.00% 9.00% 12.00% 10.00% 8.50% 8.00% 8.00% 6.00% 7.50% 4.00% 7.00% 2.00% 6.50% 0.00% 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Equity 8.18% 7.93% 7.64% 7.95% 7.75% 8.49% 7.67% 8.04% 8.93% Return on Avg Equity 11.90% 11.75% 11.83% 11.39% 11.39% 11.49% 11.09% 9.79% 11.21% Asset Group C ‐ $501 to $1 billion in Total Assets Asset Group D ‐ Over $1 billion in Total Assets Year‐to‐Date Year‐to‐Date 12.00% 18.00% 16.00% 10.00% 14.00% 8.00% 12.00% 10.00% 6.00% 8.00% 4.00% 6.00% 4.00% 2.00% 2.00% 0.00% 0.00% 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 6/30/19 9/30/19 12/31/19 3/31/20 6/30/20 9/30/20 12/31/20 3/31/21 6/30/21 Return on Avg Equity 9.85% 9.93% 9.77% 6.98% 10.34% 10.46% 11.13% 9.97% 11.28% Return on Avg Equity 10.47% 10.61% 11.03% 7.41% 8.98% 8.75% 9.19% 8.55% 16.20% Source: SNL Financial Note: Report includes only bank-level data. NA = data was not available. NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful. K-Performance Graph Page 4 of 73 Performance Analysis June 30, 2021 Run Date: August 13, 2021 As of Date Quarter to Date Year to Date Net Income Return on Avg Return on Efficiency Ratio Salary Exp/ Net Income Return on Avg Return on Efficiency Ratio Salary Exp/ Total Assets ($000) (Loss) ($000) Assets (%) Avg Equity (%) (FTE) (%) Employees ($000) (Loss) ($000) Assets (%) Avg Equity (%) (FTE) (%) Employees ($000) Region Institution Name Asset Group A - $0 to $250 million in total assets The Walton State Bank $11,668 $9 0.30% 4.90% 85.59% $56 $1 0.02% 0.28% 96.45% $53 State Bank of Burrton $12,541 ($22) (0.70%) (7.22%) 126.51% $65 $32 0.59% 5.12% 77.73% $63 Prescott State Bank $15,058 $15 0.40% 2.67% 85.61% $56 $33 0.50% 3.06% 84.56% $66 First National Bank of Harveyville $17,009 $11 0.26% 3.00% 91.14% $91 $37 0.49% 5.12% 83.66% $83 Peoples State Bank $17,211 $129 2.88% 10.95% 50.00% $58 $325 3.73% 13.69% 38.80% $46 Farmers State Bank $17,248 ($4) (0.09%) (0.82%) 102.88% $50 $48 0.62% 4.94% 80.72% $52 Dickinson County Bank $17,271 $82 1.90% 18.56% 54.40% $35 ($3) (0.03%) (0.41%) 92.20% $51 Bison State Bank $18,200 $74 1.52% 17.51% 71.90% $63 $57 0.77% 7.46% 87.71% $74 The Alden State Bank $21,334 ($8) (0.15%) (1.31%) 104.49% $69 $12 0.12% 0.95% 106.07% $71 Emerald Bank $21,616 $54 0.99% 10.22% 68.30% $39 $36 0.39% 3.73% 88.25% $50 The Bank of Denton $22,473 $39 0.68% 4.45% 70.45% $69 $80 0.88% 4.69% 69.28% $61 Hillsboro State Bank $22,986 $27 0.45% 5.60% 79.44% $76 $44 0.46% 4.54% 81.50% $53 Farmers State Bank $24,127 $32 0.53% 5.98% 82.89% $84 $52 0.53% 4.91% 86.02% $87 The Marion National Bank $25,986 $60 0.92% 5.41% 59.82% $58 $71 0.57% 3.44% 70.93% $57 The Baxter State Bank $27,109 $21 0.31% 1.46% 91.63% $80 $64 0.51% 2.20% 90.40% $69 Marquette Farmers State Bank of Marquette $31,581 $33 0.42% 2.66% 82.49% $68 $11 0.08% 0.44% 78.62% $80 State Bank of Canton $34,058 $15 0.18% 0.90% 89.95% $86 $94 0.63% 2.86% 79.05% $79 Gorham State Bank $36,317 $100 1.10% 10.17% 60.71% $66 $207 1.36% 11.45% 56.79% $63 Union State Bank $37,173 $61 0.63% 5.53% 66.83% $47 $117 0.71% 5.22% 70.21% $51 Piqua State Bank $38,664 ($20) (0.22%) (2.24%) 103.03% $49 $8 0.06% 0.46% 73.91% $44 Farmers State Bank $39,283 $53 0.56% 4.85% 78.25% $72 $76 0.42% 3.77% 81.50% $84 Cottonwood Valley Bank $40,935 $74 0.73% 5.79% 66.05% $81 $170 0.95% 6.88% 73.26% $92 Ninnescah Valley Bank $40,951 $185 1.88% 15.38% 64.37% $78 $164 0.98% 7.72% 68.78% $79 The State Exchange Bank $42,297 $120 1.10% 9.08% 57.36% $68 $125 0.68% 5.23% 67.56% $84 The Haviland State Bank $43,216 $107 0.97% 6.91% 60.63% $81 $260 1.32% 9.07% 58.88% $82 Bank of Greeley $43,940 $186 1.70% 14.02% 46.43% $85 $239 1.23% 9.34% 62.42% $109 Farmers and Merchants Bank of Mound City, Kansas $46,647 $140 1.18% 16.90% 67.33% $102 $306 1.48% 19.03% 63.27% $104 Olpe State Bank $48,021 $158 1.31% 9.55% 63.62% $60 $255 1.24% 8.03% 68.80% $61 First National Bank of Spearville $48,415 $218 1.75% 12.44% 39.32% $65 $349 1.69% 10.21% 42.52% $61 Swedish-American State Bank $49,208 $380 3.02% 26.30% 44.23% $90 $350 1.66% 13.27% 63.08% $86 The First State Bank of Ransom $49,269 $137 1.09% 5.28% 54.67% $69 $270 1.25% 5.42% 58.41% $69 Ford County State Bank $49,744 $8 0.06% 0.59% 95.31% $85 $129 0.64% 4.76% 76.54% $93 Bank of Palmer $51,875 $241 1.80% 17.19% 67.78% $107 $174 0.74% 6.89% 71.58% $104 The City State Bank $53,102 $127 0.97% 12.28% 68.39% $64 $230 1.08% 11.47% 69.62% $62 KansasLand Bank $54,239 $4 0.03% 0.28% 100.65% $77 ($25) (0.09%) (0.90%) 94.58% $73 Peoples Bank $54,536 $103 0.76% 5.48% 73.35% $70 $227 0.87% 6.16% 72.12% $68 The Farmers State Bank of Blue Mound $54,982 $89 0.65% 4.03% 82.97% $73 $265 1.18% 6.28% 74.59% $68 Security State Bank $55,546 $162 1.16% 8.11% 70.56% $67 $116 0.46% 3.14% 84.40% $57 The Farmers State Bank of Bucklin, Kansas $56,276 $141 1.01% 9.91% 64.56% $95 $234 0.97% 8.54% 74.00% $97 First National Bank in Frankfort $57,357 $179 1.22% 11.94% 61.67% $80 $260 1.05% 9.87% 67.98% $87 Source: SNL Financial Note: Report includes only bank-level data.