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Overview / Commentary
620-234-5226
200 South Main Street
Stafford, KS 67578

Prairie Bank of Kansas is headquartered in Stafford and is the 114st largest bank in the state of Kansas. It is also the 4,347th largest bank in the nation. It was established in 1886 and as of March of 2014, it had grown to 28 employees at 4 locations. Prairie Bank of Kansas has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

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 March 31, 2014 Prairie Bank of Kansas had $1.58 million in non-current loans and owned real-estate with $10.25 million in equity and loan loss allowances on hand to cover it. This gives Prairie Bank of Kansas a Texas Ratio of 15.46% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Prairie Bank of Kansas decreased slightly from 19.50% as of March 31, 2013 to 15.46% as of March 31, 2014, resulting in a positive change of 20.72%.This indicates that the balance sheet and financial strength for Prairie Bank of Kansas has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Prairie Bank of Kansas has increased its total deposits by $4.03 million, resulting in 3.95% 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 Prairie Bank of Kansas has shown is excellent.

Capitalization

GRADE:
C

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. Prairie Bank of Kansas has $117.11 million in assets with $10.25 million in equity, resulting in a capitalization level of 8.75%, which is average.

Institution Statistics

Overall
FDIC Certificate #4775
Year Established1886
Employees28
Primary RegulatorFDIC
Assets and Liabilities
Assets$117.11 million
Loans$57.33 million
Deposits$106.03 million
Equity Capital$9.60 million
Loan Loss Allowance$655,000
Unbacked Noncurrent Loans$1.37 million
Real Estate Owned$215,000
Historic Data - March 2013
Assets$113.85 million
Equity Capital$10.37 million
Loan Loss Allowance$716,000
Unbacked Noncurrent Loans$1.37 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.48%
Return on Assets-0.46%
Return on Equity-5.54%
Interest Income$1.01 million
Rates
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Prairie Bank of Kansas Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Savings Account

Prairie Bank of Kansas Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Interest Bearing Checking

Prairie Bank of Kansas CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$1k-5 Year CD
1.00%$1k-4 Year CD
0.75%$1k-3 Year CD
0.60%$1k-30 Month CD
0.50%$1k-2 Year CD
0.40%$1k-18 Month CD
0.35%$1k-1 Year CD
0.25%$1k-182 Day CD

Prairie Bank of Kansas IRA Rates

DetailsAPYMINMAXPRODUCT
2.02%$500-5 Year IRA
2.02%$500-5 Year Roth IRA
2.02%$500-5 Year Education IRA
1.76%$500-4 Year IRA
1.51%$500-3 Year IRA
1.51%$500-10 Year IRA
1.25%$500-2 Year IRA
1.25%$500-30 Month IRA
1.00%$500-18 Month IRA
0.85%$500-1 Year IRA
Locations


Prairie Bank of Kansas Locations
107 South Main Street Branch107 South Main StreetInman, KS 67546
Farmers National Bank - Hutchinson Branch1520 East 30th AveHutchinson, KS 67502
North Main Branch200 North Main StreetBuhler, KS 67522
Prairie Bank Of Kansas200 South Main StreetStafford, KS 67578