Total Assets
$195M
Total balance-sheet footings
FDIC Cert #4624 · Baxter Springs, Kansas · Est. 1917
American Bank of Baxter Springs - FDIC Bank Health Profile
A community-scale look at American Bank of Baxter Springs's own numbers, pulled straight from its quarterly FDIC Call Report.
- $195M
- Total assets
- B
- Health grade · Good
- 1.34%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
American Bank of Baxter Springs earns a PlainBankData health grade of B (66/100), with 9.94% Tier 1 capital, profitable at 1.34% ROA, 63% efficiency ratio.
- #3,048
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 9.94%
- Tier 1 ratio - below the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How American Bank of Baxter Springs's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Bank of Baxter Springs's composite health score
Tier 1 Capital Ratio (9.94%) 18/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (62.97%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$177M
Customer-funded liabilities
Net Loans
$94M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Bank of Baxter Springs ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank of Baxter Springs's score of 66/100 falls in the highlighted band.
American Bank of Baxter Springs's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank of Baxter Springs's $195M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.94% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.94%
Texas Ratio
0.00%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
15.17%
Efficiency Ratio
62.97%
What the numbers say about American Bank of Baxter Springs
American Bank of Baxter Springs is an FDIC-insured institution (Certificate #4624) headquartered in Baxter Springs, Kansas, established in 1917. It holds $195M in total assets - 3,048th of 4,313 FDIC-insured banks, $177M in customer deposits, and $94M in net loans. Capital-wise, the Tier 1 ratio sits at 9.94%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
American Bank of Baxter Springs sits 95th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$8M
Interest Income
$705K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank of Baxter Springs reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank of Baxter Springs (FDIC Cert #4624) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is American Bank of Baxter Springs's health grade?▼
American Bank of Baxter Springs receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is American Bank of Baxter Springs?▼
American Bank of Baxter Springs holds $195M in total assets and $177M in deposits, ranking 3,048th of 4,313 FDIC-insured banks by asset size. It is headquartered in Baxter Springs, Kansas.
Is my money safe at American Bank of Baxter Springs?▼
Yes, deposits at American Bank of Baxter Springs (Certificate #4624) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Bank of Baxter Springs's Tier 1 Capital Ratio?▼
American Bank of Baxter Springs has a Tier 1 Capital Ratio of 9.94%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for American Bank of Baxter Springs?▼
American Bank of Baxter Springs has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Bank of Baxter Springs?▼
American Bank of Baxter Springs has an Efficiency Ratio of 62.97%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Bank of Baxter Springs's profile as a depositor or analyst.
- American Bank of Baxter Springs's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Bank of Baxter Springs against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.