This institution is no longer active

Operations ceased on February 1, 2002. CRA examination history below reflects the period it was active.

KANSAS STATE BANK

HOLTON, KS · Supervised by FDIC

Est. 1937FDIC #15,483RSSD: FDIC-15483

Part ofFINANCIAL BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: May 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.36%

Is this bank safe?

KANSAS STATE BANK earned an Outstanding CRA rating (1999), is financially strong (ROA +1.36%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

101 East Fifth Street, HOLTON, KS

County

Jackson County

Established

January 1, 1937

Total Assets

$96M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2001Call Report / FDIC

Total Assets

$96M

Total Deposits

$85M

Net Loans

$65M

Net Income

$1M

ROA

1.36%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.48%

Risk-Based Capital

12.12%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.36%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.12%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 1999	Outstanding	Small Bank
Jun 1996	Outstanding	Small Bank
Jan 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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