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The Baldwin State Bank
Baldwin City, KS · FDIC Certificate #10906 · Chartered 08/2
Total assets
$115.53M
Total deposits
$102.63M
Total equity
$11.09M
Net loans
$47.35M
Branches (offices)
2
Net income (YTD)
$538.00K
Rank: #3,563 of 4,213 U.S. banks by assets · #126 of 183 in Kansas. Assets changed 5.7% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 9.69% |
| Net interest margin (YTD) | 3.04% |
| Equity to assets | 9.59% |
| Tier 1 leverage ratio | 10.14% |
| Uninsured deposits (share of deposits) | 23.9% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 46.1% |
| Real estate loans (share of loans) | 82.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.97M | 82.3% | |
| Commercial & industrial | $5.23M | 11.0% | |
| Consumer / individual | $1.46M | 3.1% | |
| Construction & development | $206.00K | 0.4% | |
| Agricultural | $1.30M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $100.61M | $90.17M | $517.00K | $8.75M |
| Jun 2023 | $97.41M | $87.14M | $258.00K | $8.55M |
| Jun 2024 | $104.25M | $93.00M | $306.00K | $9.45M |
| Jun 2025 | $109.31M | $96.86M | $470.00K | $10.60M |
| Jun 2026 | $115.53M | $102.63M | $538.00K | $11.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $102.63M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $102.63M.
Similar-sized banks
Peoples Bank Of Greensboro ($115.55M) · State Bank ($115.39M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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