BALDWIN STATE BANK, THE
BALDWIN STATE BANK, THE is an FDIC-insured commercial bank headquartered in BALDWIN CITY, KS, established in 1892. As of , the bank reported total assets of $106M and total deposits of $93M. Profitability stands at 0.73% ROA and 6.88% ROE, with a net interest margin of 3.09%. CET1 capital ratio: 10.80%, well above regulatory minimums. NPL ratio: 0.07% · Texas Ratio: 0.30%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Baldwin State Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.80% | 0.73% | 0.07% | 0.30% | 3.09% |
| 2025-09-30 | 10.29% | 1.21% | 0.09% | 0.38% | 3.14% |
| 2025-06-30 | 9.70% | 0.86% | 0.09% | 0.40% | 2.97% |
| 2025-03-31 | 9.57% | 0.92% | 0.10% | 0.44% | 2.92% |
| 2024-12-31 | 9.78% | 0.62% | 0.26% | 1.18% | 2.88% |
| 2024-09-30 | 10.04% | 0.89% | 0.27% | 1.10% | 2.72% |
| 2024-06-30 | 9.06% | 0.77% | 0.28% | 1.32% | 2.49% |
| 2024-03-31 | 8.95% | 0.43% | 1.16% | 5.80% | 2.36% |
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Frequently asked about BALDWIN STATE BANK, THE
What are Baldwin State Bank, the's total assets?
As of the Q4 2025 filing, Baldwin State Bank, the reported total assets of $105.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Baldwin State Bank, the headquartered?
Baldwin State Bank, the is headquartered in BALDWIN CITY, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Baldwin State Bank, the founded?
Baldwin State Bank, the was established in 1892, per the FDIC institution directory.
Is Baldwin State Bank, the FDIC-insured?
Yes. Baldwin State Bank, the is an FDIC-insured commercial bank (FDIC Certificate #10906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Baldwin State Bank, the?
Baldwin State Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Baldwin State Bank, the's CET1 capital ratio?
Baldwin State Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 10.80% in its most recent quarterly filing — above regulatory minimums.
How many branches does Baldwin State Bank, the operate?
Baldwin State Bank, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Baldwin State Bank, the's Texas Ratio?
Baldwin State Bank, the's Texas Ratio is 0.30% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.