SJN BANK OF KANSAS

SAINT JOHN, KS | Small | Est. Jan. 1, 1905, midnight | FDIC #4766 | RSSD #412555 | FDIC
Latest Report: 2025-12-31

SJN BANK OF KANSAS is asn small FDIC-insured commercial bank headquartered in SAINT JOHN, KS, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $315M and total deposits of $260M. Profitability stands at -0.03% ROA and -0.33% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 11.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.14% and a Texas Ratio of 14.36%. FDIC Certificate #4766.

Assets

$315M

Deposits

$260M

Loans

$203M

Equity

$27M

Profitability

Return on Assets (ROA) -0.03%
Return on Equity (ROE) -0.33%
Net Interest Margin (NIM) 4.39%
Yield on Assets 6.46%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 2.14%
Net Charge-Off Ratio 0.10%
Texas Ratio 14.36%
NPA Ratio 1.38%
ACL / Loans 1.75%

Capital & Liquidity

CET1 Ratio 11.41%
Tier 1 Capital 11.41%
Total Capital Ratio 12.66%
Leverage Ratio 8.31%
Loan-to-Deposit 78.14%

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