Overview / Commentary
The Baldwin State Bank is headquartered in Baldwin City and is the 152nd largest bank in the state of Kansas. It is also the 4,372nd largest bank in the nation. It was established in 1892 and as of June 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.
Health
B+
Data as of Q2 2019
Learn why bank health mattersAdditional 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 | 0.71% |
| Return on Equity - YTD | 6.89% |
| Annual Interest Income | $1.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $79.9MM$77.8MM |
| Loans | Q2 2019vs Q2 2018 | $36.9MM$35.7MM |
| Deposits | Q2 2019vs Q2 2018 | $70.6MM$69.4MM |
| Equity Capital | Q2 2019vs Q2 2018 | $8.6MM$7.6MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $559.00K$653.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $1.1MM$752.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$0 |
Rates
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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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.64% | - | - | Variable Rate IRA | |
| 0.20% | - | - | Regular Savings Account | |
| 0.20% | - | - | Special Savings Account |
The Baldwin State Bank Money Market Rates
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 |
|---|---|---|---|---|
| 2.07% | - | - | 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 |