BISON STATE BANK

BISON, KS | Small | Est. Jan. 1, 1901, midnight | FDIC #14083 | RSSD #354 | FDIC
Latest Report: 2025-12-31

BISON STATE BANK is asn small FDIC-insured commercial bank headquartered in BISON, KS, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $124M and total deposits of $98M. Profitability stands at 1.20% ROA and 12.34% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 10.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.09%. FDIC Certificate #14083.

Assets

$124M

Deposits

$98M

Loans

$98M

Equity

$13M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 12.34%
Net Interest Margin (NIM) 4.00%
Yield on Assets 7.42%
Cost of Funds 3.52%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.93%
Texas Ratio 1.09%
NPA Ratio 0.12%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 10.30%
Tier 1 Capital 10.30%
Total Capital Ratio 10.82%
Leverage Ratio 9.80%
Loan-to-Deposit 100.83%

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