SJN Bank of Kansas: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at SJN Bank of Kansas. Its balance sheet stood at $303 million at June 30, 2026, up 11.3% from a year earlier; it is based in Saint John, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.97% of loans from 0.65% a year earlier. It carries problem assets equal to 43.4% of the capital and reserves that would absorb them, 16.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 31.6% over the year, 7.8 times the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 17.6% and deposits rose 31.6%. The commercial and industrial book ($54 million) is worsening: 18.58% of it is past due or on nonaccrual, up from 0.30% a year earlier. Where it has less room is capital: it funds 9.24% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, SJN Bank of Kansas reported a CET1 capital ratio of 12.22%, a return on assets of 1.42%, a nonperforming-loan ratio of 2.30% and a Texas ratio of 43.45%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 116 E 3rd Ave, Saint John, KS 67576
- County
- Stafford
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Offices
- 8 domestic
- Employees (FTE)
- 43
- Domestic deposits
- $259.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $183K
- Average total assets
- $299.2M
- Average total loans
- $185.7M
- Average interest-bearing deposits
- $191.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4766
- Fed RSSD
- 412555
- Website
- www.sjnbank.com →
- Parent Holding Company
- SJN BANC CO (RSSD 2796857)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full SJN Bank of Kansas terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock SJN Bank of Kansas, freeSJN Bank of Kansas rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for SJN Bank of Kansas: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.22% | 1.42% | 6.97% | 43.45% | 4.64% |
| Q1 2026 | 12.32% | 0.43% | 2.32% | 15.10% | 4.36% |
| Q4 2025 | 11.41% | -0.03% | 2.15% | 15.04% | 4.09% |
| Q3 2025 | 13.92% | 1.58% | 1.44% | 8.27% | 4.40% |
| Q2 2025 | 14.01% | 1.40% | 0.65% | 3.81% | 4.04% |
| Q1 2025 | 13.67% | 1.20% | 1.14% | 6.80% | 3.69% |
| Q4 2024 | 12.78% | 1.30% | 0.40% | 2.56% | 3.84% |
| Q3 2024 | 12.99% | 1.34% | 0.45% | 2.58% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| SJN Bank of Kansas (main office) | Saint John , KS | 67576 | $65.0M |
| Nekoma State Bank Branch | La Crosse , KS | 67548 | $43.2M |
| Tampa State Bank Branch | Tampa , KS | 67483 | $41.5M |
| Greensburg Branch | Greensburg , KS | 67054 | $41.4M |
| Marion Branch | Marion , KS | 66861 | $28.3M |
| Macksville Branch | Macksville , KS | 67557 | $19.2M |
| Burdett Branch | Burdett , KS | 67523 | $11.2M |
| Hudson Branch | Hudson , KS | 67545 | $9.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 11, 2025 | Structure Change | Acquired The Tampa State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 2019 | Structure Change | Acquired The Nekoma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2017 | Structure Change | Acquired Greensburg State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for SJN Bank of Kansas, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 88 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about SJN Bank of Kansas
What are SJN Bank of Kansas's total assets?
As of the Q2 2026 filing, SJN Bank of Kansas reported total assets of $302.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is SJN Bank of Kansas headquartered?
SJN Bank of Kansas is headquartered in Saint John, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was SJN Bank of Kansas founded?
SJN Bank of Kansas was established in 1905, per the FDIC institution directory.
Is SJN Bank of Kansas FDIC-insured?
Yes. SJN Bank of Kansas is an FDIC-insured commercial bank (FDIC Certificate #4766). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SJN Bank of Kansas?
SJN Bank of Kansas's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is SJN Bank of Kansas's CET1 capital ratio?
SJN Bank of Kansas reported a Common Equity Tier 1 (CET1) capital ratio of 12.22% in its Q2 2026 call report, above regulatory requirements.
How many branches does SJN Bank of Kansas operate?
SJN Bank of Kansas operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SJN Bank of Kansas's Texas Ratio?
SJN Bank of Kansas's Texas Ratio is 43.45% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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