BANK, THE

OBERLIN, KS | Medium | Est. Nov. 21, 1985, midnight | FDIC #26522 | RSSD #333650 | FDIC
Latest Report: 2025-12-31

BANK, THE is amn medium FDIC-insured commercial bank headquartered in OBERLIN, KS, established in Nov. 21, 1985, midnight. As of 2025-12-31, the bank reported total assets of $615M and total deposits of $541M. Profitability stands at 2.00% ROA and 16.84% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 16.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.96% and a Texas Ratio of 14.80%. FDIC Certificate #26522.

Assets

$615M

Deposits

$541M

Loans

$379M

Equity

$73M

Profitability

Return on Assets (ROA) 2.00%
Return on Equity (ROE) 16.84%
Net Interest Margin (NIM) 4.64%
Yield on Assets 6.00%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 2.96%
Net Charge-Off Ratio -0.02%
Texas Ratio 14.80%
NPA Ratio 1.92%
ACL / Loans 1.92%

Capital & Liquidity

CET1 Ratio 16.83%
Tier 1 Capital 16.83%
Total Capital Ratio 18.08%
Leverage Ratio 11.33%
Loan-to-Deposit 70.10%

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