DENISON STATE BANK, THE

HOLTON, KS | Small | Est. Jan. 1, 1901, midnight | FDIC #15305 | RSSD #869551 | FDIC
Latest Report: 2025-12-31

DENISON STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in HOLTON, KS, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $469M and total deposits of $384M. Profitability stands at 0.69% ROA and 4.43% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 15.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 0.89%. FDIC Certificate #15305.

Assets

$469M

Deposits

$384M

Loans

$309M

Equity

$72M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 4.43%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.92%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.51%
Texas Ratio 0.89%
NPA Ratio 0.14%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 15.34%
Tier 1 Capital 15.34%
Total Capital Ratio 16.11%
Leverage Ratio 16.83%
Loan-to-Deposit 80.52%

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