$318M
+2.2%y/y
Percentile by value44th percentileby value
FDIC
LNLSGRUS
The Union State Bank of Everest
Everest, KansasFDIC Cert #18610
STATEEstablished 19019 branches
Holding company: EVEREST BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$314M
+2.1%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET+2.08%
−71.2%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET81.1%
+0.7%y/y
Percentile by value50th percentileby value
FDIC
LNLSNET + DEP72.9%
+0.0%y/y
Percentile by value61st percentileby value
FDIC
LNLSNET + ASSET77.47%
+1.8%y/y
Percentile by value30th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
72%
−5.8%y/y
Percentile by value18th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC48%
−8.8%y/y
Percentile by value61st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,885points
+2.7%y/y
Peer standing70th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD14.53%
+2.0%y/y
Percentile by value61st percentileby value
FDIC
LNRENROW + LNLSGR2.96%
+5.6%y/y
Percentile by value9th percentileby value
FDIC
LNRENROT + LNLSGR9.21%
+12.0%y/y
Percentile by value50th percentileby value
FDIC
LNCI + LNLSGR