Total Assets
$11M
Total balance-sheet footings
FDIC Cert #17982 · Walton, Kansas · Est. 1907
The Walton State Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $11M
- Total assets
- C
- Health grade · Fair
- -1.05%
- Return on assets
- 56.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Walton State Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 56.60% Tier 1, -1.05% ROA, 130% efficiency ratio.
- #4,300
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 56.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How The Walton State Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Walton State Bank's composite health score
Tier 1 Capital Ratio (56.60%) 40/40
Return on Assets (ROA) (-1.05%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (130.20%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$8M
Customer-funded liabilities
Net Loans
$3M
Outstanding loan book
Net Income
$-139K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Walton State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Walton State Bank's score of 60/100 falls in the highlighted band.
The Walton 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 Walton State Bank's $11M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
56.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
56.60%
Texas Ratio
0.00%
Equity Capital
$3M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.05%
Return on Equity (ROE)
-5.00%
Efficiency Ratio
130.20%
What the numbers say about The Walton State Bank
The Walton State Bank is an FDIC-insured institution (Certificate #17982) headquartered in Walton, Kansas, established in 1907. It holds $11M in total assets - 4,300th of 4,313 FDIC-insured banks, $8M in customer deposits, and $3M in net loans. Looking at capital strength, Tier 1 stands at 56.60%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), 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.
By assets, The Walton State Bank ranks 187th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$613K
Interest Income
$62K
Non-Interest Income
$729K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Walton State Bank 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.
What to watch at The Walton State Bank
The Walton State Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-139K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Walton State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Walton State Bank (FDIC Cert #17982) - 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 Walton State Bank's health grade?▼
The Walton State Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Walton State Bank?▼
The Walton State Bank holds $11M in total assets and $8M in deposits, ranking 4,300th of 4,313 FDIC-insured banks by asset size. It is headquartered in Walton, Kansas.
Is my money safe at The Walton State Bank?▼
Yes, deposits at The Walton State Bank (Certificate #17982) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Walton State Bank's Tier 1 Capital Ratio?▼
The Walton State Bank has a Tier 1 Capital Ratio of 56.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Walton State Bank?▼
The Walton State Bank has a Texas Ratio of 0.00%. 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 The Walton State Bank?▼
The Walton State Bank has an Efficiency Ratio of 130.20%. 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 The Walton State Bank's profile as a depositor or analyst.
- The Walton State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Walton 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.