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Overview / Commentary
205 S. Penn
Oberlin, KS 67749

The Bank is headquartered in Oberlin and is the 37th largest bank in the state of Kansas. It is also the 1,965th largest bank in the nation. It was established in 1985 and as of June of 2014, it had grown to 54 employees at 12 locations. The Bank has a A health rating.

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Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 The Bank had $444,000 in non-current loans and owned real-estate with $34.37 million in equity and loan loss allowances on hand to cover it. This gives The Bank a Texas Ratio of 1.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for The Bank decreased slightly from 1.47% as of June 30, 2013 to 1.29% as of June 30, 2014, resulting in a positive change of 12.06%.This indicates that the balance sheet and financial strength for The Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
B

In the past year, The Bank has increased its total deposits by $602,000, resulting in 0.23% 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 The Bank has shown is above average.

Capitalization

GRADE:
B+

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. The Bank has $335.83 million in assets with $34.37 million in equity, resulting in a capitalization level of 10.24%, which is above average.

Institution Statistics

Overall
FDIC Certificate #26522
Year Established1985
Employees54
Primary RegulatorFDIC
Assets and Liabilities
Assets$335.83 million
Loans$210.53 million
Deposits$257.02 million
Equity Capital$32.78 million
Loan Loss Allowance$1.59 million
Unbacked Noncurrent Loans$298,000
Real Estate Owned$146,000
Historic Data - June 2013
Assets$308.15 million
Equity Capital$29.64 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$298,000
Real Estate Owned$87,000
Profit Margin - Quarterly
Return on Assets1.91%
Return on Equity19.38%
Interest Income$5.62 million
Rates

Sorry, we do not have rate data for The Bank

Locations

The Bank has 12 locations. Click to view all The Bank locations.