KANSAS STATE BANK

OVERBROOK, KS | Micro | Est. Jan. 1, 1889, midnight | FDIC #1865 | RSSD #582654 | FDIC
Latest Report: 2025-12-31

KANSAS STATE BANK is amn micro FDIC-insured commercial bank headquartered in OVERBROOK, KS, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $99M and total deposits of $83M. Profitability stands at 1.36% ROA and 12.19% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 11.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 3.41%. FDIC Certificate #1865.

Assets

$99M

Deposits

$83M

Loans

$54M

Equity

$11M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 12.19%
Net Interest Margin (NIM) 4.09%
Yield on Assets 6.16%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.41%
NPA Ratio 0.44%
ACL / Loans 3.17%

Capital & Liquidity

CET1 Ratio 11.08%
Tier 1 Capital 11.08%
Total Capital Ratio 11.63%
Leverage Ratio 13.07%
Loan-to-Deposit 65.72%

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