KANSAS STATE BANK

OTTAWA, KS | Small | Est. Nov. 20, 1917, midnight | FDIC #10505 | RSSD #287959 | FDIC
Latest Report: 2025-12-31

KANSAS STATE BANK is asn small FDIC-insured commercial bank headquartered in OTTAWA, KS, established in Nov. 20, 1917, midnight. As of 2025-12-31, the bank reported total assets of $212M and total deposits of $192M. Profitability stands at 0.97% ROA and 10.78% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 8.26%. Asset quality metrics show a non-performing loan ratio of 0.69% and a Texas Ratio of 2.94%. FDIC Certificate #10505.

Assets

$212M

Deposits

$192M

Loans

$80M

Equity

$17M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 10.78%
Net Interest Margin (NIM) 3.39%
Yield on Assets 4.84%
Cost of Funds 1.48%

Asset Quality

NPL Ratio 0.69%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.94%
NPA Ratio 0.26%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 8.26%
Tier 1 Capital 8.26%
Total Capital Ratio 8.67%
Leverage Ratio 9.72%
Loan-to-Deposit 41.54%

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