FIRST STATE BANK OF RANSOM, THE

RANSOM, KS | Micro | Est. Jan. 1, 1900, midnight | FDIC #15469 | RSSD #471057 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF RANSOM, THE is amn micro FDIC-insured commercial bank headquartered in RANSOM, KS, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $48M and total deposits of $39M. Profitability stands at 0.46% ROA and 2.59% ROE, with a net interest margin of 2.69%. The bank's CET1 capital ratio is 34.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 0.82%. FDIC Certificate #15469.

Assets

$48M

Deposits

$39M

Loans

$21M

Equity

$9M

Profitability

Return on Assets (ROA) 0.46%
Return on Equity (ROE) 2.59%
Net Interest Margin (NIM) 2.69%
Yield on Assets 4.32%
Cost of Funds 2.37%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.82%
NPA Ratio 0.16%
ACL / Loans 2.12%

Capital & Liquidity

CET1 Ratio 34.80%
Tier 1 Capital 34.80%
Total Capital Ratio 36.05%
Leverage Ratio 20.61%
Loan-to-Deposit 52.95%

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