The Baxter State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Baxter State Bank is an FDIC-insured commercial bank headquartered in Baxter Springs, KS, established in 1905 (FDIC certificate 12432), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $25.2M, up 4.8% from Q2 2025, the 177th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.75% 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
- 12432
- Headquarters
- Baxter Springs, KS
- Established
- 1905
- Total assets, Q2 2026
- $25.2M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 19.75%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101102933
- Holding company
- BAXTER BANCSHARES, INC.
- Asset rank in state
- 177th of 182 in Kansas
The Baxter State Bank earns an unusually wide margin on its lending. It reported $25 million in assets at June 30, 2026, up 4.8% from a year earlier. It keeps 5.89 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.36% on its deposits and borrowings, a small fraction of the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $93,000, 86% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.11% of loans from 2.27%.
As of June 30, 2026, The Baxter State Bank reported a return on assets of 1.47%, a nonperforming-loan ratio of 1.11% and a Texas ratio of 3.55%. The figures come from its call report filed with the FFIEC.
The Baxter State Bank ranks as the 177th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $25.2M, loans fell 4.5% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 67.4% of total loans, followed by auto loans at 11.7%. Its one office in the FDIC Summary of Deposits is in Baxter Springs, KS. Judged on its Q2 2026 call report, The Baxter State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1401 Military Ave, Baxter Springs, KS 66713
- County
- Cherokee
- Metro Area
- Joplin, MO-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 041
- Established
- January 1, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $19.2M
- Allowance for credit losses
- $209K
- Net charge-offs (YTD)
- $0
- Average total assets
- $25.3M
- Average total loans
- $12.2M
- Average interest-bearing deposits
- $10.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12432
- Fed RSSD
- 1000856
- Website
- www.baxterstatebank.com →
- Parent Holding Company
- BAXTER BANCSHARES, INC. (RSSD 2366652)
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 Baxter State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Baxter State Bank's total assets ran between $24.0M (Q4 2025) and $26.2M (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$25.2M total assets against $24.0M; $20.2M total liabilities against $18.1M.
$12.1M net loans and leases against $13.0M; $19.2M total deposits against $16.5M.
$5.3M securities against $4.6M; $5.0M cash and balances due against $3.2M.
$348K total interest income against $306K; $18K total interest expense against $19K.
$330K net interest income against $287K.
$40K total noninterest income against $34K; $277K total noninterest expense against $271K.
$0 provision for credit losses against $0.
$93K net income against $50K.
1.47% return on assets against 0.83%; 5.89% net interest margin against 5.52%.
19.75% tier 1 leverage ratio against 22.49%.
Inside the full The Baxter State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -6.39% (Q4 2025) to 1.47% (Q2 2026) and its net interest margin ran from 5.03% (Q3 2024) to 5.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.75% | 1.47% | 1.11% | 3.55% | 5.89% |
| Q1 2026 | 19.83% | 0.97% | 0.50% | 2.20% | 5.66% |
| Q4 2025 | 20.10% | -6.39% | 1.88% | 5.77% | 5.81% |
| Q3 2025 | 22.31% | 0.49% | 3.49% | 8.56% | 5.53% |
| Q2 2025 | 22.49% | 0.83% | 2.27% | 5.71% | 5.52% |
| Q1 2025 | 21.78% | 0.55% | 3.34% | 8.30% | 5.19% |
| Q4 2024 | 22.38% | 0.74% | 2.37% | 6.17% | 5.84% |
| Q3 2024 | 21.83% | 0.44% | 3.28% | 8.41% | 5.03% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Baxter State Bank | Baxter Springs , KS | 66713 | $19.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 15, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2011 | Structure Change | Acquired The Bank of Quapaw Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 220 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Baxter State Bank
What are The Baxter State Bank's total assets?
As of the Q2 2026 filing, The Baxter State Bank reported total assets of $25.2 million in its FFIEC call report.
Where is The Baxter State Bank headquartered?
It is headquartered in Baxter Springs, KS, United States.
When was The Baxter State Bank founded?
It was established in 1905, per the FDIC institution directory.
Is The Baxter State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Baxter State Bank?
The Baxter State Bank's primary federal regulator is the FDIC.
How many branches does The Baxter State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Baxter State Bank's Texas Ratio?
Its Texas Ratio is 3.55% 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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