$431M
+2.1%y/y
Percentile by value35th percentileby value
FDIC
ASSETUS
The Union State Bank of Everest
Everest, KansasFDIC Cert #18610
STATEEstablished 19019 branches
Holding company: EVEREST BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Union State Bank of Everest reported $431M in total assets. Deposits grew 1.38% over the prior year.
Return on assets was 1.53%, compared with an asset-peer median of 1.22%. The leverage ratio was 9.54%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Total Assets below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$387M
+1.4%y/y
Percentile by value41st percentileby value
FDIC
DEP$314M
+2.1%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET1.53%
+59 bpsy/y
Peer standing68th percentile
FDIC
NETINC + ROA65.30%
−450 bpsy/y
Peer standing41st percentile
FDIC
NONIX + NIM + NONII + EEFFR9.54%
+26 bpsy/y
Peer standing25th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $374M | $333M |
| Q3 2021 | $375M | $333M |
| Q4 2021 | $394M | $355M |
| Q1 2022 | $403M | $367M |
| Q2 2022 | $403M | $366M |
| Q3 2022 | $409M | $361M |
| Q4 2022 | $422M | $373M |
| Q1 2023 | $415M | $367M |
| Q2 2023 | $415M | $365M |
| Q3 2023 | $415M | $356M |
| Q4 2023 | $412M | $340M |
| Q1 2024 | $408M | $354M |
| Q2 2024 | $413M | $351M |
| Q3 2024 | $418M | $348M |
| Q4 2024 | $427M | $358M |
| Q1 2025 | $422M | $382M |
| Q2 2025 | $426M | $381M |
| Q3 2025 | $435M | $379M |
| Q4 2025 | $437M | $371M |
| Q1 2026 | $431M | $387M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $46.2M |
| Investor CRE | $9.41M |
| Multifamily | $1.55M |
| Construction | $22M |
| 1–4 family | $95.5M |
| C&I | $29.3M |
| Agriculture | $108M |
| Other | $6.44M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.53%68th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE16.01%72nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.41%81st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.30%41st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+1.38%31st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+2.08%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.29%21st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ9.54%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.17%66th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC72%18th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.53%64th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.70%Median 1.39%90th 2.13%Observations 188
ROE
FDIC
NETINC + ROE16.01%70th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.89%Median 12.98%90th 21.21%Observations 188
NIM
FDIC
NIM + NIMY4.41%78th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.86%90th 4.76%Observations 188
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.30%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.76%Median 61.16%90th 78.57%Observations 188
Deposits YoY
FDIC
DEP+1.38%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.43%Median +5.17%90th +16.33%Observations 188
Loans YoY
FDIC
LNLSNET+2.08%28th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.66%Median +6.07%90th +21.96%Observations 187
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.29%19th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 2.12%Observations 187
Leverage
FDIC
RBC1AAJ9.54%26th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.85%90th 17.67%Observations 188
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.17%57th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.29%90th 3.27%Observations 188
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC72%47th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 3%Median 83%90th 246%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.53%51st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.01%Median 1.52%90th 2.35%Observations 50
ROE
FDIC
NETINC + ROE16.01%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.14%Median 15.74%90th 23.87%Observations 50
NIM
FDIC
NIM + NIMY4.41%82nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.30%Median 4.00%90th 4.68%Observations 50
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.30%20th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.59%Median 57.70%90th 70.47%Observations 50
Deposits YoY
FDIC
DEP+1.38%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.45%Median +5.53%90th +22.07%Observations 50
Loans YoY
FDIC
LNLSNET+2.08%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.11%Median +5.52%90th +21.16%Observations 50
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.29%22nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.46%90th 1.85%Observations 50
Leverage
FDIC
RBC1AAJ9.54%35th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.77%Median 9.99%90th 12.71%Observations 50
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.17%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.38%90th 3.20%Observations 50
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC72%36th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 32%Median 109%90th 272%Observations 26
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 9 branches
- Headquarters
- Everest, KS
FDIC
OFFDOMOpen the Kansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data