The Baldwin State Bank

Overview / Commentary

785-594-6421

721 High Street
Baldwin City, KS 66006

The Baldwin State Bank is headquartered in Baldwin City and is the 152^nd largest bank in the state of Kansas. It is also the 4,271^st largest bank in the nation. It was established in 1892 and as of December of 2019, it had grown to 16 employees at 2 locations. The Baldwin State Bank's money market rates are 82% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Baldwin State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	10906
Year Established	1892
Employees	16
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.55%
Return on Equity - YTD	5.19%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$82.1MM$78.9MM
Loans	Q4 2019vs Q4 2018	$39.2MM$36.2MM
Deposits	Q4 2019vs Q4 2018	$72.6MM$70.1MM
Equity Capital	Q4 2019vs Q4 2018	$8.7MM$8.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$498.00K$659.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$626.00K$447.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
IRA

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Always verify rates and promotions with the bank or credit union. We are not The Baldwin State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Baldwin State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.64%	-	-	Variable Rate IRA
0.20%	-	-	Regular Savings Account
0.20%	-	-	Special Savings Account

The Baldwin State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$20k^*	-	Money Market Account
OTHER TIERS: 0.45% → Up to $5k \| 0.60% → $5k - $20k
0.45%^*	$20k^*	-	Non-Consumer Money Market Account
OTHER TIERS: 0.20% → $100 - $5k \| 0.30% → $5k - $20k

The Baldwin State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	NOW Checking Account

The Baldwin State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.21%	-	-	18 Month IRA CD

Locations

The Baldwin State Bank Locations
The Baldwin State Bank	721 High Street	Baldwin City, KS 66006
Eighth Street Branch	112 North Eighth Street	Baldwin City, KS 66006

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