HALSTEAD BANK, THE

HALSTEAD, KS | Small | Est. March 10, 1882, midnight | FDIC #17451 | RSSD #747257 | FED
Latest Report: 2025-12-31

HALSTEAD BANK, THE is asn small FDIC-insured commercial bank headquartered in HALSTEAD, KS, established in March 10, 1882, midnight. As of 2025-12-31, the bank reported total assets of $193M and total deposits of $175M. Profitability stands at 2.12% ROA and 23.74% ROE, with a net interest margin of 4.99%. The bank's CET1 capital ratio is 11.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.36%. FDIC Certificate #17451.

Assets

$193M

Deposits

$175M

Loans

$141M

Equity

$17M

Profitability

Return on Assets (ROA) 2.12%
Return on Equity (ROE) 23.74%
Net Interest Margin (NIM) 4.99%
Yield on Assets 6.87%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.36%
NPA Ratio 0.14%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 11.53%
Tier 1 Capital 11.53%
Total Capital Ratio 12.78%
Leverage Ratio 8.72%
Loan-to-Deposit 80.60%

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