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 152nd largest bank in the state of Kansas. It is also the 4,271st 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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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 - YTD0.55%
Return on Equity - YTD5.19%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$82.1MM$78.9MM
LoansQ4 2019vs Q4 2018$39.2MM$36.2MM
DepositsQ4 2019vs Q4 2018$72.6MM$70.1MM
Equity CapitalQ4 2019vs Q4 2018$8.7MM$8.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$498.00K$659.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$626.00K$447.00K
Real Estate OwnedQ4 2019vs Q4 2018$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

1.64%--Variable Rate IRA
0.20%--Regular Savings Account
0.20%--Special Savings Account

The Baldwin State Bank Money Market Rates

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

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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