The Baldwin State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Baldwin State Bank is an FDIC-insured commercial bank headquartered in Baldwin City, KS, established in 1892 (FDIC certificate 10906), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $115.5M, up 5.7% from Q2 2025, the 126th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10906
- Headquarters
- Baldwin City, KS
- Established
- 1892
- Total assets, Q2 2026
- $115.5M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 10.14%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101103275
- Holding company
- BALDWIN BANCSHARES, INC.
- Asset rank in state
- 126th of 182 in Kansas
The Baldwin State Bank, based in Baldwin City, Kansas, reported $116 million in assets at June 30, 2026, up 5.7% from a year earlier. It keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 6% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $336,000, 45% above the same quarter a year earlier. Over the same year, loans shrank 1.2% and deposits grew 6.0%.
As of June 30, 2026, The Baldwin State Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.14%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Baldwin State Bank is the 126th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.3% to $115.5M, loans rose 1.4% and deposits rose 8.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 65.1% of total loans, followed by owner-occupied commercial real estate loans at 12.6%. The FDIC Summary of Deposits lists 2 offices for it, in Baldwin City, KS. By the capital ratios in its Q2 2026 call report, The Baldwin State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 721 High St, Baldwin City, KS 66006
- County
- Douglas
- Metro Area
- Lawrence, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 29, 1892
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $102.6M
- Allowance for credit losses
- $643K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $112.0M
- Average total loans
- $47.8M
- Average interest-bearing deposits
- $73.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10906
- Fed RSSD
- 997155
- Parent Holding Company
- BALDWIN BANCSHARES, INC. (RSSD 6087058)
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, The Baldwin State Bank 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, The Baldwin State Bank's total assets ranged from $98.3M (Q4 2023) to $115.5M (Q2 2026), 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
$115.5M total assets against $109.3M; $104.4M total liabilities against $98.7M.
$47.4M net loans and leases against $47.9M; $102.6M total deposits against $96.9M.
$50.5M securities against $40.6M; $14.0M cash and balances due against $18.6M.
$1.3M total interest income against $1.2M; $465K total interest expense against $444K.
$825K net interest income against $750K.
$116K total noninterest income against $101K; $599K total noninterest expense against $593K.
No provision recorded in the last 12 quarters.
$336K net income against $232K.
1.20% return on assets against 0.88%; 3.02% net interest margin against 2.90%.
10.14% tier 1 leverage ratio against 10.19%.
Inside the full The Baldwin State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Baldwin State Bank rankings
Its closest position to the top of a national ranking is 2,022 of 3,611, for ROA; its furthest is 3,194 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.62% (Q4 2024) to 1.20% (Q2 2026) and its net interest margin ran from 2.70% (Q3 2024) to 3.04% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.14% | 1.20% | 0.04% | 0.14% | 3.02% |
| Q1 2026 | 10.46% | 0.76% | 0.05% | 0.19% | 2.96% |
| Q4 2025 | 10.60% | 0.73% | 0.08% | 0.31% | 3.04% |
| Q3 2025 | 10.11% | 1.20% | 0.09% | 0.38% | 3.04% |
| Q2 2025 | 10.19% | 0.88% | 0.09% | 0.40% | 2.90% |
| Q1 2025 | 10.11% | 0.92% | 0.10% | 0.44% | 2.87% |
| Q4 2024 | 10.37% | 0.62% | 0.26% | 1.18% | 2.81% |
| Q3 2024 | 9.97% | 0.90% | 0.28% | 1.15% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The Baldwin State Bank | Baldwin City , KS | 66006 | $101.1M |
| Eighth Street Branch | Baldwin City , KS | 66006 | $1.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 152 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 30 loans originated, $6.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $207K approved, $207K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Baldwin State Bank
What are The Baldwin State Bank's total assets?
As of the Q2 2026 filing, The Baldwin State Bank reported total assets of $115.5 million in its FFIEC call report.
Where is The Baldwin State Bank headquartered?
It is headquartered in Baldwin City, KS, United States.
When was The Baldwin State Bank founded?
It was established in 1892, per the FDIC institution directory.
Is The Baldwin State Bank FDIC-insured?
Yes. It 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 The Baldwin State Bank?
The Baldwin State Bank's primary federal regulator is the FDIC.
How many branches does The Baldwin State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Baldwin State Bank's Texas Ratio?
Its Texas Ratio is 0.14% 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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