BanksIMPACT BANK

IMPACT BANK

WELLINGTON, KSSmallEst. April 3, 1928, midnightFDIC #17399RSSD #369453FED
Latest · 2025-12-31

IMPACT BANK is an 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%. CET1 capital ratio: 14.51%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.11%. Operates 2 domestic branches.

Assets
$164M
Deposits
$152M
Loans
$102M
Equity
$12M

Profitability

Return on Assets (ROA)1.77%
Return on Equity (ROE)24.49%
Net Interest Margin4.44%
Yield on Assets6.36%
Cost of Funds1.92%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio0.06%
Texas Ratio0.11%
NPA Ratio0.01%
ACL / Loans1.25%

Capital & Liquidity

CET1 Ratio14.51%
Tier 1 Capital14.51%
Total Capital Ratio15.60%
Leverage Ratio10.41%
Loan-to-Deposit66.85%

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