Bison State Bank
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Data as of · sourced from FFIEC call reports. How we update
Bison State Bank is an FDIC-insured commercial bank headquartered in Bison, KS, established in 1901 (FDIC certificate 14083), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $125.8M, up 23.9% from Q2 2025, the 124th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.26% 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
- 14083
- Headquarters
- Bison, KS
- Established
- 1901
- Total assets, Q2 2026
- $125.8M
- Assets vs Q2 2025
- +23.9%
- Tier 1 leverage ratio, Q2 2026
- 10.26%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101107475
- Holding company
- BISON BANCSHARES, INC.
- Asset rank in state
- 124th of 182 in Kansas
Bison State Bank spends more to run itself than most banks of its size. It reported $126 million in assets at June 30, 2026, up 23.9% from a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 38.4% and deposits rose 8.8%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.32% of loans from 0.77%. Funding is the softer spot: it pays an average of 3.21% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Bison State Bank reported a return on assets of 0.37%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.22%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bison State Bank is the 124th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 12.2% to $125.8M, loans fell 15.6% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 42.6% of total loans, followed by 1-4 family residential loans at 39.1%. The FDIC Summary of Deposits lists 2 offices for it, in Kansas City, MO and Bison, KS; its Kansas City office books 87% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bison State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 223 Main St, Bison, KS 67520
- County
- Rush
- 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
- January 1, 1901
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $99.0M
- Allowance for credit losses
- $940K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $123.8M
- Average total loans
- $101.2M
- Average interest-bearing deposits
- $81.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 21, 1934
- FDIC Cert
- 14083
- Fed RSSD
- 354
- Website
- www.bisonstatebank.com →
- Parent Holding Company
- BISON BANCSHARES, INC. (RSSD 5806506)
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, Bison 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, Bison State Bank's total assets ranged from $60.2M (Q3 2023) to $143.4M (Q1 2026), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$125.8M total assets against $101.6M; $112.5M total liabilities against $92.0M.
$98.2M net loans and leases against $70.9M; $99.0M total deposits against $91.0M.
$2.5M securities against $2.2M; $15.8M cash and balances due against $21.1M.
$2.1M total interest income against $1.5M; $870K total interest expense against $600K.
$1.3M net interest income against $927K.
$1.5M total noninterest income against $1.1M; $2.6M total noninterest expense against $1.8M.
$39K provision for credit losses against $807K.
$116K net income against -$399K.
0.37% return on assets against -1.64%; 4.33% net interest margin against 4.14%.
10.26% tier 1 leverage ratio against 9.19%.
Inside the full Bison State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bison State Bank rankings
Its closest position to the top of a national ranking is 2,172 of 3,640, for Texas Ratio; its furthest is 3,511 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.04% (Q3 2024) to 1.73% (Q3 2025) and its net interest margin ran from 3.80% (Q1 2026) to 4.70% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.26% | 0.37% | 0.32% | 2.22% | 4.33% |
| Q1 2026 | 9.90% | 1.72% | 0.12% | 1.02% | 3.80% |
| Q4 2025 | 9.80% | 1.19% | 0.70% | 5.07% | 3.85% |
| Q3 2025 | 10.03% | 1.73% | 0.81% | 6.39% | 4.70% |
| Q2 2025 | 9.19% | -1.64% | 0.77% | 5.34% | 4.14% |
| Q1 2025 | 9.61% | -0.72% | 2.12% | 16.45% | 3.88% |
| Q4 2024 | 9.29% | -0.21% | 2.29% | 15.17% | 4.12% |
| Q3 2024 | 9.54% | -2.04% | 0.58% | 4.25% | 4.12% |
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 |
|---|---|---|---|
| Kansas City Branch | Kansas City , MO | 64114 | $85.8M |
| Bison State Bank (main office) | Bison , KS | 67520 | $13.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 224 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,117 applications, 647 loans originated, $339.7M originated, across 48 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $133K approved, $133K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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 Bison State Bank
What are Bison State Bank's total assets?
As of the Q2 2026 filing, Bison State Bank reported total assets of $125.8 million in its FFIEC call report.
Where is Bison State Bank headquartered?
It is headquartered in Bison, KS, United States.
When was Bison State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Bison State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bison State Bank?
Bison State Bank's primary federal regulator is the FDIC.
How many branches does Bison 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 Bison State Bank's Texas Ratio?
Its Texas Ratio is 2.22% 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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