American Bank of Baxter Springs
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Data as of · sourced from FFIEC call reports. How we update
American Bank of Baxter Springs is an FDIC-insured commercial bank headquartered in Baxter Springs, KS, established in 1917 (FDIC certificate 4624), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $170.2M, down 8.7% from Q2 2025, the 110th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4624
- Headquarters
- Baxter Springs, KS
- Established
- 1917
- Total assets, Q2 2026
- $170.2M
- Assets vs Q2 2025
- -8.7%
- Tier 1 leverage ratio, Q2 2026
- 9.98%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101112635
- Latest call report
- Q2 2026, FFIEC 051 · American Bank of Baxter Springs Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- AMERICAN BANCSHARES, INC.
- Asset rank in state
- 110th of 182 in Kansas
American Bank of Baxter Springs, based in Baxter Springs, Kansas, reported $170 million in assets at June 30, 2026, down 8.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also lost 10.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.1%).
Net income for the quarter slipped 10% from a year earlier, to $725,000. Over the same year, loans grew 15.1% and deposits shrank 10.4%.
As of June 30, 2026, American Bank of Baxter Springs reported a return on assets of 1.58%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Bank of Baxter Springs is the 110th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 9.1% to $170.2M, loans rose 6.6% and deposits fell 10.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 44.5% of total loans, followed by 1-4 family residential loans at 22.5%. Its 3 offices in the FDIC Summary of Deposits are in Baxter Springs, KS, Columbus, KS and Galena, KS; its Baxter Springs office books 77% of its branch deposits. Judged on its Q2 2026 call report, American Bank of Baxter Springs meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1201 Military Ave, Baxter Springs, KS 66713
- County
- Cherokee
- Metro Area
- Joplin, MO-KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $152.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $183.7M
- Average total loans
- $98.2M
- Average interest-bearing deposits
- $140.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4624
- Fed RSSD
- 1002953
- Website
- www.americanbankbaxter.com →
- Parent Holding Company
- AMERICAN BANCSHARES, INC. (RSSD 1065444)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Bank of Baxter Springs reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Bank of Baxter Springs's total assets ranged from $125.8M (Q3 2023) to $194.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$170.2M total assets against $186.4M; $152.8M total liabilities against $170.5M.
$102.4M net loans and leases against $88.9M; $152.3M total deposits against $170.0M.
$37.6M securities against $38.3M; $21.0M cash and balances due against $50.3M.
$2.2M total interest income against $2.3M; $517K total interest expense against $574K.
$1.6M net interest income against $1.7M.
$177K total noninterest income against $167K; $1.0M total noninterest expense against $1.0M.
$56K provision for credit losses against $36K.
$725K net income against $808K.
1.58% return on assets against 1.82%; 3.75% net interest margin against 4.02%.
9.98% tier 1 leverage ratio against 9.64%.
Inside the full American Bank of Baxter Springs terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Bank of Baxter Springs rankings
Its closest position to the top of a national ranking is 1,142 of 3,611, for ROA; its furthest is 3,556 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q4 2025) to 1.84% (Q1 2025) and its net interest margin ran from 3.33% (Q3 2025) to 4.02% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.98% | 1.58% | 0.00% | 0.00% | 3.75% |
| Q1 2026 | 9.20% | 1.15% | 0.00% | 0.00% | 3.49% |
| Q4 2025 | 9.94% | 0.48% | 0.00% | 0.00% | 3.41% |
| Q3 2025 | 9.88% | 1.36% | 0.00% | 0.02% | 3.33% |
| Q2 2025 | 9.64% | 1.82% | 0.00% | 0.00% | 4.02% |
| Q1 2025 | 9.87% | 1.84% | 0.00% | 0.00% | 3.94% |
| Q4 2024 | 11.47% | 0.94% | 0.00% | 0.00% | 3.99% |
| Q3 2024 | 11.23% | 1.38% | 0.00% | 0.02% | 4.01% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Bank of Baxter Springs (main office) | Baxter Springs , KS | 66713 | $117.1M |
| Columbus Branch | Columbus , KS | 66725 | $31.3M |
| Galena Branch | Galena , KS | 66739 | $4.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- January 5, 2010, Federal Reserve: Written Agreement: American Bank of Baxter Springs, Baxter Springs, Kansas
- Period: Most recent institution action January 5, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in KS, rank 125 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $56K approved, $56K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Bank of Baxter Springs
What are American Bank of Baxter Springs's total assets?
As of the Q2 2026 filing, American Bank of Baxter Springs reported total assets of $170.2 million in its FFIEC call report.
Where is American Bank of Baxter Springs headquartered?
It is headquartered in Baxter Springs, KS, United States.
When was American Bank of Baxter Springs founded?
It was established in 1917, per the FDIC institution directory.
Is American Bank of Baxter Springs FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank of Baxter Springs?
American Bank of Baxter Springs's primary federal regulator is the Federal Reserve.
How many branches does American Bank of Baxter Springs operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank of Baxter Springs's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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