Bison State Bank
Bison, KS·RSSD 354·FDIC 14083·bank:354·CBLR opted in
- #125 of 185Total assets in Kansas
- 2offices
- 51employees
- Top 2%Loan growth in the U.S.
- Top 2%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bison State Bank
12 of 23 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter3.19%peers 1.68%+150 bps
Bison State Bank's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share, more of the funding base moved into higher-rate time deposits and borrowed funding increased.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.19% | 1.68% | +150 bps |
| Share of deposits that pay no interest | ||
| 19.2% | 21.6% | -2.5 pp |
| Time deposits' share of deposits | ||
| 54.6% | 33.1% | +21.5 pp |
| Borrowings as a share of assets | ||
| 10.0% | 0.0% | +10.0 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bison State Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+38.4%peers +5.3%+33.1 pp
Bison State Bank's loans grew 38.4% over the past year to $99.1 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +38.4% | +5.3% | +33.1 pp |
| Loans | ||
| $99.1 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bison State Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality-0.00%peers 0.00%0 bps
Bison State Bank's annualized net charge-off rate fell 481 bps over the past year to -0.00%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| -0.00% | 0.00% | 0 bps |
| 12-month change | ||
| -481 bps | 0 bps | -481 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bison State Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter4.58%peers 0.36%+423 bps
Bison State Bank's noninterest income relative to average assets was 4.58%, compared with a median of 0.36% among 1223 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 4.58% | 0.36% | +423 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bison State Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+23.9%peers +4.2%+19.7 pp
Bison State Bank's total assets grew 23.9% over the past year to $126 million. The median among 1222 similar banks was +4.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +23.9% | +4.2% | +19.7 pp |
| Total assets | ||
| $126 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bison State Bank itself is left out of every peer median and percentile. How signals work
7 more observations
- Borrowed funding rising while the peer median holds steadyFunding
- Deposits migrating from operating accounts to CDsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposit costs rising while the peer median fallsFunding
- Return on assets rising faster than peersEarnings
- Deposit costs among the highest of similar banksFunding
- Reliance on CDs rising while the peer median holds steadyFunding
Key facts
- Bison State Bank is a bank headquartered in Bison, Kansas. It reported $126 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $99.0 million, up 8.8% from a year earlier, and loans totaled $99.1 million, up 38.4%.
- Its net interest margin was 4.09% and its annualized return on assets was 0.35% for the quarter.
- Its cost of all deposits was 3.19%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bison State Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Bison State Bank · Bank
- Federal Reserve RSSD
- 354
- FDIC certificate
- 14083
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bison State Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $116K | — | |
| $2.13M | — | |
| $870K | — | |
| $1.26M | — | |
| $1.54M | — | |
| $2.61M | — | |
| $28K | — | |
| $39K | — | |
| 0.35% | 0.34%ROAQ · Quarter | |
| 4.09% | 4.08%NIMYQ · Quarter | |
| 93.28% | 93.28%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.