Baldwin State Bank, The
Baldwin City, KS · Cert 10906 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Baldwin Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$115.5MAssets
$48.0MLoans
$102.6MDeposits
$11.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks under $1B in assets operating in a single state (rank 153 of 743).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 676 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.75%
Rank 545 of 746
Net Interest Margin
2.85%
Rank 650 of 746
Efficiency Ratio
69.15%
Rank 452 of 746
Equity / Assets
9.59%
Rank 482 of 746
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.72% | 1.06% | 1.45% | Beats 27% | 545 / 746 | |
| Return on Equity | 7.86% | 6.74% | 10.51% | 13.63% | Beats 32% | 504 / 746 | |
| Net Interest Margin | 2.85% | 3.17% | 3.68% | 4.16% | Beats 13% | 650 / 746 | |
| Efficiency Ratio | 69.15% | 55.74% | 64.58% | 75.47% | Beats 40% | 452 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 80% | 153 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 60% | 301 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.14% | 11.55% | 13.75% | 17.60% | Beats 10% | 670 / 746 | |
| Total Risk-Based Capital Ratio | 10.14% | 11.71% | 14.33% | 18.43% | Beats 9% | 676 / 746 | |
| Equity / Assets | 9.59% | 8.90% | 10.51% | 13.06% | Beats 35% | 482 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 46.76% | 61.31% | 78.27% | 90.78% | 10th pctl | 670 / 746 | |
| Loans / Assets | 41.54% | 53.60% | 66.97% | 76.08% | 11th pctl | 663 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |