Wilson State Bank
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Data as of · sourced from FFIEC call reports. How we update
Wilson State Bank is an FDIC-insured commercial bank headquartered in Wilson, KS, established in 1886 (FDIC certificate 12136), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $123.1M, up 0.8% from Q2 2025, the 125th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 12.52% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12136
- Headquarters
- Wilson, KS
- Established
- 1886
- Total assets, Q2 2026
- $123.1M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 12.52%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101103880
- Holding company
- WILSON BANCSHARES, INC.
- Asset rank in state
- 125th of 182 in Kansas
Wilson State Bank, based in Wilson, Kansas, reported $123 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.48% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 10% from a year earlier, to $406,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.2 million equal 19% of Tier 1 capital, down from 26% a year earlier.
As of June 30, 2026, Wilson State Bank reported a CET1 capital ratio of 12.52%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
Wilson State Bank ranks as the 125th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.6% to $123.1M, loans rose 3.1% and deposits fell 1.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 38.1% of total loans, ahead of 1-4 family residential loans at 33.2%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in KS; its Wilson office books 33% of its branch deposits. Judged on its Q2 2026 call report, Wilson State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 422 26th St, Wilson, KS 67490
- County
- Ellsworth
- 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 041
- Established
- July 16, 1886
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $108.2M
- Allowance for credit losses
- $742K
- Net charge-offs (YTD)
- $163K
- Average total assets
- $125.0M
- Average total loans
- $85.4M
- Average interest-bearing deposits
- $82.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12136
- Fed RSSD
- 501655
- Website
- www.wilsonstatebank.net →
- Parent Holding Company
- WILSON BANCSHARES, INC. (RSSD 2356251)
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
From Q3 2023 to Q2 2026, Wilson State Bank's total assets ranged from $118.9M (Q4 2023) to $127.7M (Q1 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
$123.1M total assets against $122.2M; $112.7M total liabilities against $113.0M.
$86.0M net loans and leases against $82.7M; $108.2M total deposits against $105.5M.
$21.4M securities against $23.3M; $9.1M cash and balances due against $9.9M.
$1.5M total interest income against $1.5M; $392K total interest expense against $437K.
$1.1M net interest income against $1.1M.
$65K total noninterest income against $77K; $778K total noninterest expense against $762K.
$7K provision for credit losses against $7K.
$406K net income against $368K.
1.30% return on assets against 1.22%; 3.75% net interest margin against 3.65%.
12.52% CET1 capital ratio against 12.49%; 9.48% tier 1 leverage ratio against 9.20%.
Inside the full Wilson State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWilson State Bank rankings
Its closest position to the top of a national ranking is 1,751 of 3,611, for ROA; its furthest is 3,308 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.99% (Q3 2025) to 1.30% (Q2 2026) and its net interest margin ran from 3.62% (Q1 2025) to 3.86% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.52% | 1.30% | 0.00% | 0.03% | 3.75% |
| Q1 2026 | 12.54% | 1.11% | 0.05% | 0.38% | 3.71% |
| Q4 2025 | 12.74% | 1.10% | 0.20% | 1.68% | 3.86% |
| Q3 2025 | 12.53% | 0.99% | 0.21% | 1.78% | 3.73% |
| Q2 2025 | 12.49% | 1.22% | 0.23% | 2.10% | 3.65% |
| Q1 2025 | 12.14% | 1.00% | 0.05% | 0.50% | 3.62% |
| Q4 2024 | 12.20% | 1.24% | 0.05% | 0.55% | 3.69% |
| Q3 2024 | 11.96% | 1.06% | 0.06% | 1.43% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Wilson State Bank | Wilson , KS | 67490 | $35.8M |
| Russell Branch | Russell , KS | 67665 | $29.5M |
| Hoisington Branch | Hoisington , KS | 67544 | $28.6M |
| Beverly Branch | Beverly , KS | 67423 | $14.3M |
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 |
|---|---|---|---|
| July 17, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2010 | Structure Change | Acquired The Hoisington National 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 149 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 Wilson State Bank
What are Wilson State Bank's total assets?
As of the Q2 2026 filing, Wilson State Bank reported total assets of $123.1 million in its FFIEC call report.
Where is Wilson State Bank headquartered?
It is headquartered in Wilson, KS, United States.
When was Wilson State Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Wilson State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilson State Bank?
Wilson State Bank's primary federal regulator is the FDIC.
What is Wilson State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.52% in its Q2 2026 call report, above regulatory requirements.
How many branches does Wilson State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilson State Bank's Texas Ratio?
Its Texas Ratio is 0.03% 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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