BanksELK STATE BANK

ELK STATE BANK

CLYDE, KSSmallEst. Jan. 1, 1896, midnightFDIC #15259RSSD #679451FDIC
Latest · 2025-12-31

ELK STATE BANK is an 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%. CET1 capital ratio: 14.01%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.04%. Operates 3 domestic branches.

Assets
$139M
Deposits
$100M
Loans
$76M
Equity
$10M

Profitability

Return on Assets (ROA)0.37%
Return on Equity (ROE)5.14%
Net Interest Margin2.93%
Yield on Assets5.26%
Cost of Funds2.35%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio-0.03%
Texas Ratio0.04%
NPA Ratio0.00%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio14.01%
Tier 1 Capital14.01%
Total Capital Ratio15.23%
Leverage Ratio8.17%
Loan-to-Deposit76.00%

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