SJN Bank of Kansas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.52 percentage points in Q3 2026, from 72.93% to 76.45%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, SJN Bank of Kansas is 101st of 182 on return on assets, 1.42% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. SJN Bank of Kansas sits 0.20 points higher, at 1.45% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.67% |
| Tier 1 risk-based capital ratio | 12.67% |
| Total risk-based capital ratio | 13.93% |
| Tier 1 leverage ratio | 9.41% |
| Equity capital to assets | 8.05% |
| Tangible equity to tangible assets | 7.71% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 2.29% |
| Non-performing assets ratio | 1.44% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 48.52% |
| Allowance for credit losses to loans | 2.06% |
| Reserve coverage of non-performing loans | 90.13% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 17.07% |
| Net interest margin | 4.59% |
| Efficiency ratio | 56.04% |
| Yield on earning assets | 6.05% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 76.45% |
| Core deposits to total deposits | 89.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.32% |
| Securities to assets | 31.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 14.60% | 14.60% | 15.86% | 9.88% | 0.19% |
| Q1 2024 | 13.81% | 13.81% | 15.08% | 8.81% | -1.34% |
| Q2 2024 | 13.36% | 13.36% | 14.62% | 9.19% | 1.43% |
| Q3 2024 | 12.99% | 12.99% | 14.25% | 9.01% | 1.34% |
| Q4 2024 | 12.78% | 12.78% | 14.04% | 9.20% | 1.30% |
| Q1 2025 | 13.67% | 13.67% | 14.93% | 9.48% | 1.20% |
| Q2 2025 | 14.01% | 14.01% | 15.27% | 9.76% | 1.40% |
| Q3 2025 | 13.92% | 13.92% | 15.18% | 9.97% | 1.58% |
| Q4 2025 | 11.41% | 11.41% | 12.66% | 8.31% | -0.03% |
| Q1 2026 | 12.32% | 12.32% | 13.58% | 8.78% | 0.43% |
| Q2 2026 | 12.22% | 12.22% | 13.48% | 9.24% | 1.42% |
| Q3 2026 | 12.67% | 12.67% | 13.93% | 9.41% | 1.45% |
SJN Bank of Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SJN Bank of Kansas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full SJN Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4766) · FFIEC NIC profile (RSSD 412555)