The Baldwin State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 868.72 percentage points in Q2 2026, from 2913.64% to 3782.35%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Baldwin State Bank is 131st of 182 on return on assets, 1.20% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Baldwin State Bank sits 0.05 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.14% |
| Equity capital to assets | 9.59% |
| Tangible equity to tangible assets | 9.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.14% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 3782.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 12.29% |
| Net interest margin | 3.02% |
| Efficiency ratio | 63.58% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.76% |
| Core deposits to total deposits | 93.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.83% |
| Securities to assets | 43.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.09% | 0.58% | 1.51% | 1.59% | 0.00% |
| Q4 2023 | 10.42% | 0.27% | 2.38% | 1.22% | 1.00% |
| Q1 2024 | 9.94% | 0.43% | 2.34% | 1.16% | -0.01% |
| Q2 2024 | 9.82% | 0.77% | 2.41% | 0.28% | -0.21% |
| Q3 2024 | 9.97% | 0.90% | 2.70% | 0.27% | 0.08% |
| Q4 2024 | 10.37% | 0.62% | 2.81% | 0.26% | 0.00% |
| Q1 2025 | 10.11% | 0.92% | 2.87% | 0.10% | -0.06% |
| Q2 2025 | 10.19% | 0.88% | 2.90% | 0.09% | 0.07% |
| Q3 2025 | 10.11% | 1.20% | 3.04% | 0.09% | -0.02% |
| Q4 2025 | 10.60% | 0.73% | 3.04% | 0.07% | 0.02% |
| Q1 2026 | 10.46% | 0.76% | 2.96% | 0.05% | -0.01% |
| Q2 2026 | 10.14% | 1.20% | 3.02% | 0.04% | -0.02% |
The Baldwin State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baldwin State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Baldwin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10906) · FFIEC NIC profile (RSSD 997155)