Banks SJN BANK OF KANSAS

SJN BANK OF KANSAS

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

SJN BANK OF KANSAS is an 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%. CET1 capital ratio: 11.41%, well above regulatory minimums. NPL ratio: 2.14% · Texas Ratio: 14.36%.

Assets
$315M
Deposits
$260M
Loans
$203M
Equity
$27M

Profitability

Return on Assets (ROA)-0.03%
Return on Equity (ROE)-0.33%
Net Interest Margin4.39%
Yield on Assets6.46%
Cost of Funds2.11%

Asset Quality

NPL Ratio2.14%
Net Charge-Off Ratio0.10%
Texas Ratio14.36%
NPA Ratio1.38%
ACL / Loans1.75%

Capital & Liquidity

CET1 Ratio11.41%
Tier 1 Capital11.41%
Total Capital Ratio12.66%
Leverage Ratio8.31%
Loan-to-Deposit78.14%

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