Southwind Bank
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Data as of · sourced from FFIEC call reports. How we update
Southwind Bank is an FDIC-insured commercial bank headquartered in Natoma, KS, established in 1909 (FDIC certificate 4735), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $186.6M, up 7.9% from Q2 2025, the 101st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.42% 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
- 4735
- Headquarters
- Natoma, KS
- Established
- 1909
- Total assets, Q2 2026
- $186.6M
- Assets vs Q2 2025
- +7.9%
- Tier 1 leverage ratio, Q2 2026
- 10.42%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101106353
- Holding company
- REPUBLIC BANCSHARES, INC.
- Asset rank in state
- 101st of 182 in Kansas
Southwind Bank, based in Natoma, Kansas, reported $187 million in assets at June 30, 2026, up 7.9% from a year earlier. It pays an average of 1.04% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans equal to only 17% of its capital, a small fraction of the median of 1.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.1 million equal 43% of Tier 1 capital, down from 55% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.74% of loans, down from 1.08% a year earlier.
As of June 30, 2026, Southwind Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 4.83%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Southwind Bank is the 101st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $186.6M, loans rose 2.4% and deposits rose 3.9%. Farmland and other real estate loans made up 35.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.1%. Its 2 offices in the FDIC Summary of Deposits are in Russell, KS and Natoma, KS; its Russell office books 76% of its branch deposits. On its Q2 2026 call report, Southwind Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 702 N 2nd St, Natoma, KS 67651
- County
- Osborne
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- Bank United (2013-2014); United National Bank (1991-2013)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $172.8M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $129K
- Average total assets
- $182.2M
- Average total loans
- $92.6M
- Average interest-bearing deposits
- $107.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4735
- Fed RSSD
- 276159
- Website
- www.southwindbank.com →
- Parent Holding Company
- REPUBLIC BANCSHARES, INC. (RSSD 2411628)
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, Southwind Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Southwind Bank's total assets ran between $169.0M (Q3 2023) and $186.6M (Q2 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
$186.6M total assets against $172.9M; $173.7M total liabilities against $162.1M.
$92.2M net loans and leases against $86.3M; $172.8M total deposits against $158.1M.
$85.3M securities against $75.7M; $2.6M cash and balances due against $4.0M.
$2.1M total interest income against $2.0M; $479K total interest expense against $536K.
$1.7M net interest income against $1.5M.
$53K total noninterest income against $74K; $838K total noninterest expense against $828K.
$98K provision for credit losses against $50K.
$615K net income against $512K.
1.35% return on assets against 1.17%; 3.80% net interest margin against 3.46%.
10.42% tier 1 leverage ratio against 10.50%.
Inside the full Southwind Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSouthwind Bank rankings
Its closest position to the top of a national ranking is 597 of 3,606, for efficiency ratio; its furthest is 3,058 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q4 2024) to 1.35% (Q2 2026) and its net interest margin ran from 3.04% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.42% | 1.35% | 0.74% | 4.83% | 3.80% |
| Q1 2026 | 10.15% | 1.22% | 0.87% | 5.80% | 3.58% |
| Q4 2025 | 9.70% | 1.08% | 0.91% | 6.03% | 3.60% |
| Q3 2025 | 10.50% | 1.02% | 1.11% | 7.45% | 3.53% |
| Q2 2025 | 10.50% | 1.17% | 1.08% | 7.84% | 3.46% |
| Q1 2025 | 10.42% | 1.06% | 1.47% | 10.71% | 3.35% |
| Q4 2024 | 9.73% | 0.85% | 0.80% | 6.56% | 3.09% |
| Q3 2024 | 9.69% | 0.95% | 0.63% | 4.27% | 3.04% |
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 |
|---|---|---|---|
| Russell Branch | Russell , KS | 67665 | $131.9M |
| Southwind Bank (main office) | Natoma , KS | 67651 | $40.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 113 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $102K approved, $102K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Southwind Bank
What are Southwind Bank's total assets?
As of the Q2 2026 filing, Southwind Bank reported total assets of $186.6 million in its FFIEC call report.
Where is Southwind Bank headquartered?
It is headquartered in Natoma, KS, United States.
When was Southwind Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Southwind Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwind Bank?
Southwind Bank's primary federal regulator is the FDIC.
How many branches does Southwind 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 Southwind Bank's Texas Ratio?
Its Texas Ratio is 4.83% 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.
What was Southwind Bank previously called?
The charter now named Southwind Bank has also operated as Bank United (2013-2014), United National Bank (1991-2013), per FDIC structure-change records.
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