The Walton State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Walton State Bank is an FDIC-insured commercial bank headquartered in Walton, KS, established in 1907 (FDIC certificate 17982), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $13.0M, up 10.7% from Q2 2025, the 181st largest of 182 banks headquartered in Kansas.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17982
- Headquarters
- Walton, KS
- Established
- 1907
- Total assets, Q2 2026
- $13.0M
- Assets vs Q2 2025
- +10.7%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101110763
- Holding company
- WSB FINANCIAL, INC.
- Asset rank in state
- 181st of 182 in Kansas
The Walton State Bank, based in Walton, Kansas, reported $13 million in assets at June 30, 2026, up 10.7% from a year earlier. It pays an average of 0.58% on its deposits and borrowings, about a third the median of 1.53% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Earnings jumped: net income for the quarter was $15,000, 88% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 3.82%. Profitability lags: it returns 2.1% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, The Walton State Bank reported a CET1 capital ratio of 60.41%, a return on assets of 0.47%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Walton State Bank is the 181st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.9% to $13.0M, loans fell 6.4% and deposits rose 5.5%. Owner-occupied commercial real estate loans made up 41.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.6%. Its one office in the FDIC Summary of Deposits is in Walton, KS. On its Q2 2026 call report, The Walton State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 116 Main St, Walton, KS 67151
- County
- Harvey
- Metro Area
- Wichita, KS
- 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
- May 27, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $10.1M
- Allowance for credit losses
- $33K
- Net charge-offs (YTD)
- $0
- Average total assets
- $12.7M
- Average total loans
- $3.2M
- Average interest-bearing deposits
- $4.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1959
- FDIC Cert
- 17982
- Fed RSSD
- 490955
- Website
- www.waltonstatebank.com →
- Parent Holding Company
- WSB FINANCIAL, INC. (RSSD 5787744)
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
The Walton State Bank's total assets moved between a low of $10.9M (Q4 2025) and a high of $17.5M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$13.0M total assets against $11.8M; $10.2M total liabilities against $9.0M.
$3.0M net loans and leases against $3.0M; $10.1M total deposits against $8.8M.
$2.6M securities against $4.5M; $6.1M cash and balances due against $2.9M.
$135K total interest income against $135K; $14K total interest expense against $24K.
$121K net interest income against $111K.
$78K total noninterest income against $48K; $161K total noninterest expense against $173K.
$0 provision for credit losses against $1K.
$15K net income against $8K.
0.47% return on assets against 0.26%; 4.36% net interest margin against 4.20%.
60.41% CET1 capital ratio against 61.43%; 15.42% tier 1 leverage ratio against 17.93%.
Inside the full The Walton State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Walton State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.75% (Q4 2025) to 0.47% (Q2 2026) and its net interest margin ran from 3.14% (Q4 2024) to 5.20% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 60.41% | 0.47% | 0.00% | 0.00% | 4.36% |
| Q1 2026 | 59.79% | -0.57% | 0.00% | 0.00% | 4.48% |
| Q4 2025 | 56.60% | -1.75% | 0.00% | 0.00% | 5.20% |
| Q3 2025 | 44.21% | -1.12% | 0.00% | 2.45% | 5.09% |
| Q2 2025 | 61.43% | 0.26% | 3.82% | 8.70% | 4.20% |
| Q1 2025 | 61.10% | -1.60% | 3.47% | 8.25% | 3.31% |
| Q4 2024 | 61.38% | -1.11% | 3.67% | 8.23% | 3.14% |
| Q3 2024 | 57.63% | -0.74% | 5.14% | 8.69% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Walton State Bank | Walton , KS | 67151 | $10.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 225 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.4M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 The Walton State Bank
What are The Walton State Bank's total assets?
As of the Q2 2026 filing, The Walton State Bank reported total assets of $13.0 million in its FFIEC call report.
Where is The Walton State Bank headquartered?
It is headquartered in Walton, KS, United States.
When was The Walton State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is The Walton State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Walton State Bank?
The Walton State Bank's primary federal regulator is the FDIC.
What is The Walton State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 60.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Walton State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Walton State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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