SJN Bank of Kansas
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Data as of · sourced from FFIEC call reports. How we update
SJN Bank of Kansas is an FDIC-insured commercial bank headquartered in Saint John, KS, established in 1905 (FDIC certificate 4766), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $302.9M, up 11.3% from Q2 2025, the 70th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 12.22% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4766
- Headquarters
- Saint John, KS
- Established
- 1905
- Total assets, Q2 2026
- $302.9M
- Assets vs Q2 2025
- +11.3%
- CET1 ratio, Q2 2026
- 12.22%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 101102784
- Latest call report
- Q2 2026, FFIEC 051 · SJN Bank of Kansas Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- SJN BANC CO
- Asset rank in state
- 70th of 182 in Kansas
Problem loans are rising at SJN Bank of Kansas. Its balance sheet stood at $303 million at June 30, 2026, up 11.3% from a year earlier; it is based in Saint John, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.97% of loans from 0.65% a year earlier. It carries problem assets equal to 43.4% of the capital and reserves that would absorb them, 16.4 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also grew deposits 31.6% over the year, 7.8 times the median of 4.1% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 17.6% and deposits rose 31.6%. The commercial and industrial book ($54 million) is worsening: 18.58% of it is past due or on nonaccrual, up from 0.30% a year earlier. Where it has less room is capital: it funds 9.24% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, SJN Bank of Kansas reported a CET1 capital ratio of 12.22%, a return on assets of 1.42%, a nonperforming-loan ratio of 6.97% and a Texas ratio of 43.45%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, SJN Bank of Kansas is the 70th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $302.9M, loans rose 0.7% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 28.7% of total loans, ahead of agricultural production loans at 28.0%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in KS; its Saint John office books 25% of its branch deposits. On its Q2 2026 call report, SJN Bank of Kansas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 116 E 3rd Ave, Saint John, KS 67576
- County
- Stafford
- 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, 1905
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $259.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $183K
- Average total assets
- $299.2M
- Average total loans
- $185.7M
- Average interest-bearing deposits
- $191.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4766
- Fed RSSD
- 412555
- Website
- www.sjnbank.com →
- Parent Holding Company
- SJN BANC CO (RSSD 2796857)
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
SJN Bank of Kansas's total assets moved between a low of $235.7M (Q3 2023) and a high of $314.9M (Q4 2025) from Q3 2023 to Q2 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
$302.9M total assets against $272.2M; $275.4M total liabilities against $248.0M.
$185.3M net loans and leases against $157.6M; $259.6M total deposits against $197.3M.
$97.7M securities against $94.7M; $3.9M cash and balances due against $5.6M.
$4.2M total interest income against $3.9M; $1.0M total interest expense against $1.3M.
$3.2M net interest income against $2.6M.
$103K total noninterest income against $116K; $2.0M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$1.1M net income against $951K.
1.42% return on assets against 1.40%; 4.64% net interest margin against 4.04%.
12.22% CET1 capital ratio against 14.01%; 9.24% tier 1 leverage ratio against 9.76%.
Inside the full SJN Bank of Kansas 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
SJN Bank of Kansas rankings
Its closest position to the top of a national ranking is 21 of 3,640, for Texas Ratio; its furthest is 1,644 of 2,134, for CET1 ratio.
Banks merged into SJN Bank of Kansas
- The Tampa State Bank, effective October 11, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.03% (Q4 2025) to 1.58% (Q3 2025) and its net interest margin ran from 3.69% (Q1 2025) to 4.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.22% | 1.42% | 6.97% | 43.45% | 4.64% |
| Q1 2026 | 12.32% | 0.43% | 2.32% | 15.10% | 4.36% |
| Q4 2025 | 11.41% | -0.03% | 2.15% | 15.04% | 4.09% |
| Q3 2025 | 13.92% | 1.58% | 1.44% | 8.27% | 4.40% |
| Q2 2025 | 14.01% | 1.40% | 0.65% | 3.81% | 4.04% |
| Q1 2025 | 13.67% | 1.20% | 1.14% | 6.80% | 3.69% |
| Q4 2024 | 12.78% | 1.30% | 0.40% | 2.56% | 3.84% |
| Q3 2024 | 12.99% | 1.34% | 0.45% | 2.58% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| SJN Bank of Kansas (main office) | Saint John , KS | 67576 | $65.0M |
| Nekoma State Bank Branch | La Crosse , KS | 67548 | $43.2M |
| Tampa State Bank Branch | Tampa , KS | 67483 | $41.5M |
| Greensburg Branch | Greensburg , KS | 67054 | $41.4M |
| Marion Branch | Marion , KS | 66861 | $28.3M |
| Macksville Branch | Macksville , KS | 67557 | $19.2M |
| Burdett Branch | Burdett , KS | 67523 | $11.2M |
| Hudson Branch | Hudson , KS | 67545 | $9.9M |
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 |
|---|---|---|---|
| October 11, 2025 | Structure Change | Acquired The Tampa State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 2019 | Structure Change | Acquired The Nekoma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2017 | Structure Change | Acquired Greensburg 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 88 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 SJN Bank of Kansas
What are SJN Bank of Kansas's total assets?
As of the Q2 2026 filing, SJN Bank of Kansas reported total assets of $302.9 million in its FFIEC call report.
Where is SJN Bank of Kansas headquartered?
It is headquartered in Saint John, KS, United States.
When was SJN Bank of Kansas founded?
It was established in 1905, per the FDIC institution directory.
Is SJN Bank of Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4766). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SJN Bank of Kansas?
SJN Bank of Kansas's primary federal regulator is the FDIC.
What is SJN Bank of Kansas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.22% in its Q2 2026 call report, above regulatory requirements.
How many branches does SJN Bank of Kansas operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SJN Bank of Kansas's Texas Ratio?
Its Texas Ratio is 43.45% 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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