Total Assets
$315M
Total balance-sheet footings
FDIC Cert #4766 · Saint John, Kansas · Est. 1905
SJN Bank of Kansas - FDIC Bank Health Profile
A community-scale look at SJN Bank of Kansas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $315M
- Total assets
- B
- Health grade · Good
- 1.01%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
SJN Bank of Kansas earns a PlainBankData health grade of B (72/100), with well-capitalized at 11.41% Tier 1, profitable at 1.01% ROA, 61% efficiency ratio.
- #2,420
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 11.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- 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 SJN Bank of Kansas's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SJN Bank of Kansas's composite health score
Tier 1 Capital Ratio (11.41%) 28/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (14.38%) 16/20
Efficiency Ratio (61.03%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$260M
Customer-funded liabilities
Net Loans
$200M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SJN Bank of Kansas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SJN Bank of Kansas's score of 72/100 falls in the highlighted band.
SJN Bank of Kansas'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). SJN Bank of Kansas's $315M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.41%
Texas Ratio
14.38%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
11.55%
Efficiency Ratio
61.03%
What the numbers say about SJN Bank of Kansas
SJN Bank of Kansas is an FDIC-insured institution (Certificate #4766) headquartered in Saint John, Kansas, established in 1905. It holds $315M in total assets - 2,420th of 4,313 FDIC-insured banks, $260M in customer deposits, and $200M in net loans. On safety, its Tier 1 capital ratio of 11.41% is above the 10% well-capitalized threshold, and its Texas Ratio of 14.38% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (72/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, SJN Bank of Kansas ranks 67th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$469K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SJN Bank of Kansas reports a Texas Ratio of 14.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.38% - 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) SJN Bank of Kansas (FDIC Cert #4766) - 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 SJN Bank of Kansas's health grade?▼
SJN Bank of Kansas receives a health grade of B (72/100) 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 SJN Bank of Kansas?▼
SJN Bank of Kansas holds $315M in total assets and $260M in deposits, ranking 2,420th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint John, Kansas.
Is my money safe at SJN Bank of Kansas?▼
Yes, deposits at SJN Bank of Kansas (Certificate #4766) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SJN Bank of Kansas's Tier 1 Capital Ratio?▼
SJN Bank of Kansas has a Tier 1 Capital Ratio of 11.41%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for SJN Bank of Kansas?▼
SJN Bank of Kansas has a Texas Ratio of 14.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SJN Bank of Kansas?▼
SJN Bank of Kansas has an Efficiency Ratio of 61.03%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SJN Bank of Kansas's profile as a depositor or analyst.
- SJN Bank of Kansas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SJN Bank of Kansas 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.