The Denison State Bank

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 45^th largest bank in the state of Kansas. It is also the 1,918^th largest bank in the nation. It was established in 1901 and as of December of 2024, it had grown to 67 employees at 5 locations. The Denison State Bank's CD rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15305
Year Established	1901
Employees	67
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.71%
Return on Equity - YTD	13.03%
Annual Interest Income	$22.3MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$457.8MM$436.1MM
Loans	Q4 2024vs Q4 2023	$291.4MM$268MM
Deposits	Q4 2024vs Q4 2023	$383MM$363.2MM
Equity Capital	Q4 2024vs Q4 2023	$61MM$55.2MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$3.3MM$3MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.2MM$1.7MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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	VIEW DETAILS
0.40%	$100	-	Regular Savings
0.40%	$0	-	Minor Savings

The Denison State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$100k^*	-	Money Market Savings
OTHER TIERS: 0.40% → $100 - $25k \| 0.65% → $25k - $50k \| 1.00% → $50k - $100k

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	-	6 Month CD
4.00%	$500	-	1 Year CD
3.75%	$500	-	2 Year CD
3.00%	$500	-	3 Year CD
3.00%	$500	-	4 Year CD
3.00%	$500	-	5 Year CD
2.75%	$5k	-	3 Year One-time Bump Up CD
2.00%	$500	-	18 Month CD

The Denison State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	1 Year IRA
3.75%	$500	-	2 Year IRA
3.00%	$500	-	3 Year IRA
3.00%	$500	-	4 Year IRA
3.00%	$500	-	5 Year IRA
2.75%	$5k	-	3 Year One-time Bump Up IRA
2.00%	$500	-	18 Month 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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