STATE BANK OF DOWNS

DOWNS, KS | Small | Est. Jan. 1, 1892, midnight | FDIC #9659 | RSSD #792453 | FDIC
Latest Report: 2025-12-31

STATE BANK OF DOWNS is asn small FDIC-insured commercial bank headquartered in DOWNS, KS, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $140M and total deposits of $120M. Profitability stands at 1.09% ROA and 7.91% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 13.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9659.

Assets

$140M

Deposits

$120M

Loans

$85M

Equity

$19M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 7.91%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.85%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 13.73%
Tier 1 Capital 13.73%
Total Capital Ratio 14.42%
Leverage Ratio 13.13%
Loan-to-Deposit 71.46%

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