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Southwind Bank
Natoma, KS · FDIC Certificate #4735 · Chartered 01/0
Total assets
$186.55M
Total deposits
$172.76M
Total equity
$12.89M
Net loans
$92.21M
Branches (offices)
2
Net income (YTD)
$1.18M
Rank: #3,070 of 4,213 U.S. banks by assets · #101 of 183 in Kansas. Assets changed 7.9% and deposits 9.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 18.96% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 6.91% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 33.2% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 53.4% |
| Real estate loans (share of loans) | 76.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.62M | 76.6% | |
| Commercial & industrial | $8.80M | 9.5% | |
| Consumer / individual | $6.57M | 7.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $6.79M | 7.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $175.78M | $165.99M | $962.00K | $9.59M |
| Jun 2023 | $172.36M | $147.57M | $773.00K | $8.79M |
| Jun 2024 | $182.10M | $157.75M | $1.51M | $8.99M |
| Jun 2025 | $172.88M | $158.10M | $979.00K | $10.81M |
| Jun 2026 | $186.55M | $172.76M | $1.18M | $12.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $172.76M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $172.76M.
Similar-sized banks
Valley Central Bank ($186.74M) · Gulf Coast Business Bank ($186.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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