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The Bank
Oberlin, KS · FDIC Certificate #26522 · Chartered 11/2
Total assets
$617.26M
Total deposits
$540.52M
Total equity
$75.20M
Net loans
$370.27M
Branches (offices)
14
Net income (YTD)
$7.73M
Rank: #1,528 of 4,213 U.S. banks by assets · #33 of 183 in Kansas. Assets changed 6.8% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.50% |
| Return on equity | 21.16% |
| Net interest margin (YTD) | 4.49% |
| Equity to assets | 12.18% |
| Tier 1 leverage ratio | 11.46% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 3.45% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 68.5% |
| Real estate loans (share of loans) | 63.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $236.05M | 63.7% | |
| Commercial & industrial | $32.09M | 8.7% | |
| Consumer / individual | $5.49M | 1.5% | |
| Construction & development | $1.55M | 0.4% | |
| Agricultural | $90.76M | 24.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $421.31M | $374.04M | $3.23M | $46.93M |
| Jun 2023 | $461.27M | $410.56M | $5.25M | $49.02M |
| Jun 2024 | $451.41M | $395.52M | $4.56M | $54.66M |
| Jun 2025 | $577.83M | $507.22M | $6.62M | $68.92M |
| Jun 2026 | $617.26M | $540.52M | $7.73M | $75.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $540.52M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $540.52M.
Similar-sized banks
Empire State Bank ($617.79M) · Farmers & Merchants Savings Bank ($616.83M)
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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