TRICENTURY BANK

DE SOTO, KS | Small | Est. March 13, 1909, midnight | FDIC #18109 | RSSD #196752 | FDIC
Latest Report: 2025-12-31

TRICENTURY BANK is asn small FDIC-insured commercial bank headquartered in DE SOTO, KS, established in March 13, 1909, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $119M. Profitability stands at 1.71% ROA and 15.57% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 11.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18109.

Assets

$196M

Deposits

$119M

Loans

$172M

Equity

$22M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 15.57%
Net Interest Margin (NIM) 4.34%
Yield on Assets 7.20%
Cost of Funds 2.97%

Asset Quality

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

Capital & Liquidity

CET1 Ratio 11.11%
Tier 1 Capital 11.11%
Total Capital Ratio 11.66%
Leverage Ratio 11.21%
Loan-to-Deposit 144.40%

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