JOHNSON STATE BANK

JOHNSON, KS | Micro | Est. Nov. 14, 1914, midnight | FDIC #15237 | RSSD #235950 | FDIC
Latest Report: 2025-12-31

JOHNSON STATE BANK is amn micro FDIC-insured commercial bank headquartered in JOHNSON, KS, established in Nov. 14, 1914, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $78M. Profitability stands at -2.02% ROA and -14.57% ROE, with a net interest margin of 3.06%. The bank's CET1 capital ratio is 13.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 12.54%. FDIC Certificate #15237.

Assets

$94M

Deposits

$78M

Loans

$35M

Equity

$13M

Profitability

Return on Assets (ROA) -2.02%
Return on Equity (ROE) -14.57%
Net Interest Margin (NIM) 3.06%
Yield on Assets 4.50%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio -0.22%
Texas Ratio 12.54%
NPA Ratio 1.85%
ACL / Loans 3.87%

Capital & Liquidity

CET1 Ratio 13.34%
Tier 1 Capital 13.34%
Total Capital Ratio 14.01%
Leverage Ratio 16.06%
Loan-to-Deposit 44.53%

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