The Baldwin State Bank

Overview / Commentary
721 High Street
Baldwin City, KS 66006

The Baldwin State Bank is headquartered in Baldwin City and is the 144th largest bank in the state of Kansas. It is also the 4,158th largest bank in the nation. It was established in 1892 and as of June of 2020, it had grown to 16 employees at 2 locations. The Baldwin State Bank's money market rates are 14% higher than the national average, and it has an A health rating.


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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

FDIC Certificate #10906
Year Established1892
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD11.81%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$92.2MM$79.9MM
LoansQ2 2020vs Q2 2019$44.7MM$36.9MM
DepositsQ2 2020vs Q2 2019$82.1MM$70.6MM
Equity CapitalQ2 2020vs Q2 2019$9.4MM$8.6MM
Loan Loss AllowanceQ2 2020vs Q2 2019$502.00K$559.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$303.00K$1.1MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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* 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

0.20%--Regular Savings Account
0.20%--Special Savings Account
0.12%--Variable Rate IRA

The Baldwin State Bank Money Market Rates

0.50%*$20k*-Money Market Account
OTHER TIERS: 0.20% Up to $5k | 0.25% $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

0.15%--NOW Checking Account

The Baldwin State Bank IRA Rates

1.21%--18 Month IRA CD

The Baldwin State Bank Locations
The Baldwin State Bank721 High StreetBaldwin City, KS 66006
Eighth Street Branch112 North Eighth StreetBaldwin City, KS 66006

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