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Overview / Commentary
500 Main Street
Almena, KS 67622

Almena State Bank is headquartered in Almena and is the 247th largest bank in the state of Kansas. It is also the 6,341st largest bank in the nation. It was established in 1934 and as of June of 2014, it had grown to 14 employees at 2 locations. Almena State Bank has a B+ health rating.

Reviews (1)

Almena State Bank

By far the most progressive and consumer friendly bank in Norton County, Ks. It is a pro-business/Farm Bank.


Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Almena State Bank has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Almena State Bank had $19,000 in non-current loans and owned real-estate with $2.72 million in equity and loan loss allowances on hand to cover it. This gives Almena State Bank a Texas Ratio of 0.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Almena State Bank experienced no significant changes from 0.56% as of June 30, 2013 to 0.70% as of June 30, 2014, resulting in a negative change of 24.94%. This indicates that the balance sheet and financial strength for Almena State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Almena State Bank has increased its total deposits by $2.09 million, resulting in 7.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Almena State Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Almena State Bank has $31.85 million in assets with $2.72 million in equity, resulting in a capitalization level of 8.53%, which is average.

Institution Statistics

FDIC Certificate #15426
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$31.85 million
Loans$28.52 million
Deposits$28.66 million
Equity Capital$2.45 million
Loan Loss Allowance$266,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Historic Data - June 2013
Assets$29.29 million
Equity Capital$2.43 million
Loan Loss Allowance$247,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.45%
Return on Equity19.15%
Interest Income$894,000

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Almena State Bank Savings Account Rates


Almena State Bank Money Market Rates

0.15%$2,500-Money Market

Almena State Bank Checking Account Rates

0.10%$2,500-Super Now

Almena State Bank CD Rates

1.00%$500-72 Month CD
0.95%$500-60 Month CD
0.90%$500-48 Month CD
0.85%$500-30 Month CD
0.80%$500-36 Month CD
0.60%$500-18 Month CD
0.50%$500-24 Month CD
0.35%$500-12 Month CD
0.25%$500-6 Month CD
0.25%$90k-6 Month Jumbo Certificate
0.15%$500-3 Month CD

Almena State Bank Locations
Norton Branch202 East WashingtonNorton, KS 67654
Almena State Bank500 Main StreetAlmena, KS 67622