BENDENA STATE BANK

BENDENA, KS | Small | Est. Jan. 1, 1904, midnight | FDIC #17410 | RSSD #1008151 | FDIC
Latest Report: 2025-12-31

BENDENA STATE BANK is asn small FDIC-insured commercial bank headquartered in BENDENA, KS, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $111M. Profitability stands at 1.43% ROA and 15.70% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 14.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 1.21%. FDIC Certificate #17410.

Assets

$131M

Deposits

$111M

Loans

$84M

Equity

$12M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 15.70%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.91%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.21%
NPA Ratio 0.12%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 14.21%
Tier 1 Capital 14.21%
Total Capital Ratio 15.17%
Leverage Ratio 9.72%
Loan-to-Deposit 76.12%

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