IMPACT BANK

WELLINGTON, KS | Small | Est. April 3, 1928, midnight | FDIC #17399 | RSSD #369453 | FED
Latest Report: 2025-12-31

IMPACT BANK is asn small FDIC-insured commercial bank headquartered in WELLINGTON, KS, established in April 3, 1928, midnight. As of 2025-12-31, the bank reported total assets of $164M and total deposits of $152M. Profitability stands at 1.77% ROA and 24.49% ROE, with a net interest margin of 4.44%. The bank's CET1 capital ratio is 14.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.11%. FDIC Certificate #17399.

Assets

$164M

Deposits

$152M

Loans

$102M

Equity

$12M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 24.49%
Net Interest Margin (NIM) 4.44%
Yield on Assets 6.36%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.11%
NPA Ratio 0.01%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 14.51%
Tier 1 Capital 14.51%
Total Capital Ratio 15.60%
Leverage Ratio 10.41%
Loan-to-Deposit 66.85%

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