Johnson State Bank
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Data as of · sourced from FFIEC call reports. How we update
Johnson State Bank is an FDIC-insured commercial bank headquartered in Johnson, KS, established in 1914 (FDIC certificate 15237), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $96.6M, up 9.4% from Q2 2025, the 139th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.72% 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
- 15237
- Headquarters
- Johnson, KS
- Established
- 1914
- Total assets, Q2 2026
- $96.6M
- Assets vs Q2 2025
- +9.4%
- Tier 1 leverage ratio, Q2 2026
- 14.72%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101111458
- Latest call report
- Q2 2026, FFIEC 051 · Johnson State Bank call report
- Holding company
- JOHNSON STATE BANCSHARES, INC.
- Asset rank in state
- 139th of 182 in Kansas
Johnson State Bank, based in Johnson, Kansas, reported $97 million in assets at June 30, 2026, up 9.4% from a year earlier. It grew deposits 12.3% over the year, 4.9 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 12.4% of the capital and reserves that would absorb them, 8.9 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $261,000, 156% above the same quarter a year earlier. Over the same year, loans grew 1.1% and deposits grew 12.3%. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Johnson State Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 12.35%. The figures come from its call report filed with the FFIEC.
Johnson State Bank ranks as the 139th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.0% to $96.6M, loans rose 7.0% and deposits fell 5.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 48.1% of total loans, followed by 1-4 family residential loans at 14.4%. Its 2 offices in the FDIC Summary of Deposits are in Johnson, KS and Ulysses, KS; its Johnson office books 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Johnson State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 N Main St, Johnson, KS 67855
- County
- Stanton
- 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
- November 14, 1914
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $80.7M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $100.3M
- Average total loans
- $33.7M
- Average interest-bearing deposits
- $60.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 19, 1935
- FDIC Cert
- 15237
- Fed RSSD
- 235950
- Website
- www.johnsonstatebank.com →
- Parent Holding Company
- JOHNSON STATE BANCSHARES, INC. (RSSD 1059724)
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, Johnson 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, Johnson State Bank's total assets ranged from $88.3M (Q2 2025) to $100.7M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$96.6M total assets against $88.3M; $83.9M total liabilities against $76.2M.
$34.3M net loans and leases against $34.0M; $80.7M total deposits against $71.9M.
$39.8M securities against $42.8M; $15.7M cash and balances due against $4.3M.
$1.1M total interest income against $948K; $347K total interest expense against $304K.
$774K net interest income against $644K.
$99K total noninterest income against $43K; $597K total noninterest expense against $580K.
$0 provision for credit losses against $0.
$261K net income against $102K.
1.04% return on assets against 0.45%; 3.33% net interest margin against 3.08%.
14.72% tier 1 leverage ratio against 16.51%.
Inside the full Johnson 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 -2.05% (Q4 2025) to 1.04% (Q2 2026) and its net interest margin ran from 2.51% (Q3 2024) to 3.33% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.72% | 1.04% | 0.12% | 12.35% | 3.33% |
| Q1 2026 | 15.03% | 0.79% | 0.12% | 12.61% | 3.20% |
| Q4 2025 | 16.06% | -2.05% | 0.13% | 12.54% | 2.61% |
| Q3 2025 | 16.84% | 0.47% | 0.13% | 16.72% | 3.10% |
| Q2 2025 | 16.51% | 0.45% | 0.14% | 17.76% | 3.08% |
| Q1 2025 | 15.89% | 0.47% | 0.17% | 18.31% | 2.86% |
| Q4 2024 | 15.96% | 0.10% | 0.20% | 19.12% | 2.58% |
| Q3 2024 | 15.96% | 0.23% | 8.81% | 21.18% | 2.51% |
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 |
|---|---|---|---|
| Johnson State Bank (main office) | Johnson , KS | 67855 | $51.7M |
| Ulysses Branch | Ulysses , KS | 67880 | $29.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 168 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $413K approved, $206K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 Johnson State Bank
What are Johnson State Bank's total assets?
As of the Q2 2026 filing, Johnson State Bank reported total assets of $96.6 million in its FFIEC call report.
Where is Johnson State Bank headquartered?
It is headquartered in Johnson, KS, United States.
When was Johnson State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Johnson State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Johnson State Bank?
Johnson State Bank's primary federal regulator is the FDIC.
How many branches does Johnson 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 Johnson State Bank's Texas Ratio?
Its Texas Ratio is 12.35% 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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