Total Assets
$469M
Total balance-sheet footings
FDIC Cert #15305 · Holton, Kansas · Est. 1901
The Denison State Bank - FDIC Bank Health Profile
A community-scale look at The Denison State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $469M
- Total assets
- A
- Health grade · Excellent
- 1.83%
- Return on assets
- 16.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Denison State Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 16.83% Tier 1, profitable at 1.83% ROA, efficient (51% cost ratio).
- #1,881
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 16.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 86th
- 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 The Denison State Bank's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Denison State Bank's composite health score
Tier 1 Capital Ratio (16.83%) 40/40
Return on Assets (ROA) (1.83%) 25/25
Texas Ratio (3.26%) 20/20
Efficiency Ratio (50.89%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$384M
Customer-funded liabilities
Net Loans
$305M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Denison State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Denison State Bank's score of 97/100 falls in the highlighted band.
The Denison State Bank'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). The Denison State Bank's $469M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.83%
Texas Ratio
3.26%
Equity Capital
$72M
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.83%
Return on Equity (ROE)
12.46%
Efficiency Ratio
50.89%
What the numbers say about The Denison State Bank
The Denison State Bank is an FDIC-insured institution (Certificate #15305) headquartered in Holton, Kansas, established in 1901. It holds $469M in total assets - 1,881st of 4,313 FDIC-insured banks, $384M in customer deposits, and $305M in net loans. Its capital position: a Tier 1 ratio of 16.83%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.26% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Denison State Bank sits 47th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$24M
Interest Income
$3M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Denison State Bank reports a Texas Ratio of 3.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.26% - 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) The Denison State Bank (FDIC Cert #15305) - 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 The Denison State Bank's health grade?▼
The Denison State Bank receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Denison State Bank?▼
The Denison State Bank holds $469M in total assets and $384M in deposits, ranking 1,881st of 4,313 FDIC-insured banks by asset size. It is headquartered in Holton, Kansas.
Is my money safe at The Denison State Bank?▼
Yes, deposits at The Denison State Bank (Certificate #15305) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Denison State Bank's Tier 1 Capital Ratio?▼
The Denison State Bank has a Tier 1 Capital Ratio of 16.83%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Denison State Bank?▼
The Denison State Bank has a Texas Ratio of 3.26%. 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 The Denison State Bank?▼
The Denison State Bank has an Efficiency Ratio of 50.89%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Denison State Bank's profile as a depositor or analyst.
- The Denison State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Denison State Bank 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.