Elk State Bank
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Data as of · sourced from FFIEC call reports. How we update
Elk State Bank is an FDIC-insured commercial bank headquartered in Clyde, KS, established in 1896 (FDIC certificate 15259), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $138.7M, up 4.6% from Q2 2025, the 116th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15259
- Headquarters
- Clyde, KS
- Established
- 1896
- Total assets, Q2 2026
- $138.7M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 14.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101103754
- Holding company
- ELKCORP, INC.
- Asset rank in state
- 116th of 182 in Kansas
Elk State Bank operates with a thinner capital cushion than most banks of its size. Based in Clyde, Kansas, it had $139 million in assets at June 30, 2026, up 4.6% from a year earlier. It funds 8.25% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $3.1 million equal 27% of Tier 1 capital, down from 50% a year earlier. Its margin is thin by comparison: it keeps 3.18 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Elk State Bank reported a CET1 capital ratio of 14.01%, a return on assets of 0.67%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Elk State Bank is the 116th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $138.7M, loans rose 0.9% and deposits fell 4.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 36.8% of total loans, followed by farmland and other real estate loans at 25.1%. Its 3 offices in the FDIC Summary of Deposits are in Clyde, KS, Seneca, KS and Concordia, KS; its Clyde office books 48% of its branch deposits. On its Q2 2026 call report, Elk State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 328 Washington St, Clyde, KS 66938
- County
- Cloud
- 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, 1896
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $109.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $138.1M
- Average total loans
- $74.8M
- Average interest-bearing deposits
- $85.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 1935
- FDIC Cert
- 15259
- Fed RSSD
- 679451
- SEC CIK
- 32017 → filed by ELKCORP, INC.
- Website
- www.elkstatebank.com →
- Parent Holding Company
- ELKCORP, INC. (RSSD 1248041)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Elk State Bank's total assets ranged from $124.0M (Q3 2023) to $141.2M (Q1 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
$138.7M total assets against $132.6M; $128.7M total liabilities against $123.3M.
$76.8M net loans and leases against $68.2M; $109.0M total deposits against $99.3M.
$53.7M securities against $56.7M; $3.4M cash and balances due against $2.3M.
$1.7M total interest income against $1.6M; $684K total interest expense against $722K.
$982K net interest income against $900K.
$71K total noninterest income against $61K; $766K total noninterest expense against $698K.
$25K provision for credit losses against $0.
$230K net income against $219K.
0.67% return on assets against 0.65%; 3.18% net interest margin against 3.03%.
14.01% CET1 capital ratio against 14.96%; 8.25% tier 1 leverage ratio against 8.25%.
Inside the full Elk 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Elk State Bank rankings
Its closest position to the top of a national ranking is 1,120 of 2,134, for CET1 ratio; its furthest is 3,314 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.27% (Q3 2024) to 0.88% (Q3 2025) and its net interest margin ran from 2.37% (Q3 2024) to 3.23% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 0.67% | 0.00% | 0.03% | 3.18% |
| Q1 2026 | 14.11% | 0.72% | 0.01% | 0.04% | 3.23% |
| Q4 2025 | 14.01% | 0.37% | 0.01% | 0.04% | 3.05% |
| Q3 2025 | 15.52% | 0.88% | 0.01% | 0.05% | 3.00% |
| Q2 2025 | 14.96% | 0.65% | 0.01% | 0.05% | 3.03% |
| Q1 2025 | 14.94% | 0.74% | 0.01% | 0.06% | 2.88% |
| Q4 2024 | 14.29% | 0.41% | 0.01% | 0.06% | 2.56% |
| Q3 2024 | 14.41% | 0.27% | 0.01% | 0.07% | 2.37% |
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 |
|---|---|---|---|
| Elk State Bank (main office) | Clyde , KS | 66938 | $52.6M |
| Baileyville Branch | Seneca , KS | 66538 | $44.5M |
| The Elk State Bank | Concordia , KS | 66901 | $11.9M |
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 |
|---|---|---|---|
| June 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 2016 | Structure Change | Acquired The Baileyville State Bank 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 148 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $464K approved, $464K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Elk State Bank
What are Elk State Bank's total assets?
As of the Q2 2026 filing, Elk State Bank reported total assets of $138.7 million in its FFIEC call report.
Where is Elk State Bank headquartered?
It is headquartered in Clyde, KS, United States.
When was Elk State Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Elk State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Elk State Bank?
Elk State Bank's primary federal regulator is the FDIC.
What is Elk State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Elk State Bank 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 Elk State Bank's Texas Ratio?
Its Texas Ratio is 0.03% 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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