ELK STATE BANK

CLYDE, KS | Small | Est. Jan. 1, 1896, midnight | FDIC #15259 | RSSD #679451 | FDIC
Latest Report: 2025-12-31

ELK STATE BANK is asn small FDIC-insured commercial bank headquartered in CLYDE, KS, established in Jan. 1, 1896, midnight. As of 2025-12-31, the bank reported total assets of $139M and total deposits of $100M. Profitability stands at 0.37% ROA and 5.14% ROE, with a net interest margin of 2.93%. The bank's CET1 capital ratio is 14.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.04%. FDIC Certificate #15259. The institution operates 1 domestic branch.

Assets

$139M

Deposits

$100M

Loans

$76M

Equity

$10M

Profitability

Return on Assets (ROA) 0.37%
Return on Equity (ROE) 5.14%
Net Interest Margin (NIM) 2.93%
Yield on Assets 5.26%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.04%
NPA Ratio 0.00%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 14.01%
Tier 1 Capital 14.01%
Total Capital Ratio 15.23%
Leverage Ratio 8.17%
Loan-to-Deposit 76.00%

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