BanksBANK, THE

BANK, THE

OBERLIN, KSMediumEst. Nov. 21, 1985, midnightFDIC #26522RSSD #333650FDIC
Latest · 2025-12-31

BANK, THE is an 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%. CET1 capital ratio: 16.83%, well above regulatory minimums. NPL ratio: 2.96% · Texas Ratio: 14.80%. Operates 16 domestic branches.

Assets
$615M
Deposits
$541M
Loans
$379M
Equity
$73M

Profitability

Return on Assets (ROA)2.00%
Return on Equity (ROE)16.84%
Net Interest Margin4.64%
Yield on Assets6.00%
Cost of Funds1.43%

Asset Quality

NPL Ratio2.96%
Net Charge-Off Ratio-0.02%
Texas Ratio14.80%
NPA Ratio1.92%
ACL / Loans1.92%

Capital & Liquidity

CET1 Ratio16.83%
Tier 1 Capital16.83%
Total Capital Ratio18.08%
Leverage Ratio11.33%
Loan-to-Deposit70.10%

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