The Denison State Bank

Overview / Commentary

www.dsbks.com

785-364-3131

421 New York Avenue
Holton, KS 66436

The Denison State Bank is headquartered in Holton and is the 37^th largest bank in the state of Kansas. It is also the 1,922^nd largest bank in the nation. It was established in 1901 and as of June of 2022, it had grown to 70 employees at 5 locations. The Denison State Bank's CD rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	15305
Year Established	1901
Employees	70
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.69%
Return on Equity - YTD	13.96%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$437.2MM$435.2MM
Loans	Q2 2022vs Q2 2021	$247.0MM$241.1MM
Deposits	Q2 2022vs Q2 2021	$352.0MM$336.4MM
Equity Capital	Q2 2022vs Q2 2021	$48.7MM$59.6MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$3.1MM$3.2MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.2MM$939.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not The Denison 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 Denison State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$100	-	Regular Savings
0.25%	-	-	Minor Savings
0.25%	$100	-	Business Regular Savings

The Denison State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.25% → $100 - $25k \| 0.40% → $25k - $50k \| 0.50% → $50k - $100k \| 0.60% → $100k - $250k

The Denison State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Beyond Personal Checking

The Denison State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	1 Year CD
4.00%	$500	-	2 Year CD
2.22%	$500	-	5 Year CD
2.10%	$500	-	3 Year CD
2.10%	$500	-	4 Year CD
2.00%	$500	-	18 Month CD
1.85%	$5k	-	3 Year One-time Bump Up CD
1.00%	$500	-	6 Month CD

The Denison State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	1 Year IRA
4.00%	$500	-	2 Year IRA
2.10%	$500	-	3 Year IRA
2.10%	$500	-	4 Year IRA
2.00%	$500	-	18 Month IRA
1.85%	$5k	-	3 Year One-time Bump Up IRA
0.00%	$500	-	5 Year IRA

Locations

The Denison State Bank Locations
Holton Branch	207 Arizona	Holton, KS 66436
Hoyt Branch	210 Hwy K-214	Hoyt, KS 66440
Topeka Branch	3640 Sw Fairlawn	Topeka, KS 66614
Meriden Branch	3675 74th Street	Meriden, KS 66512
The Denison State Bank	421 New York Ave	Holton, KS 66436

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