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The Denison State Bank
Holton, KS · FDIC Certificate #15305 · Chartered 01/0
Total assets
$453.58M
Total deposits
$369.33M
Total equity
$74.81M
Net loans
$300.64M
Branches (offices)
5
Net income (YTD)
$4.64M
Rank: #1,899 of 4,213 U.S. banks by assets · #47 of 183 in Kansas. Assets changed -0.7% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.00% |
| Return on equity | 12.64% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 16.49% |
| Tier 1 leverage ratio | 17.53% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 1.08% |
| Net charge-offs (share of loans) | 0.81% |
| Loans to deposits | 81.4% |
| Real estate loans (share of loans) | 56.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $170.15M | 56.6% | |
| Commercial & industrial | $47.60M | 15.8% | |
| Consumer / individual | $11.54M | 3.8% | |
| Construction & development | $22.08M | 7.3% | |
| Agricultural | $73.38M | 24.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $437.25M | $352.03M | $3.74M | $48.73M |
| Jun 2023 | $431.81M | $340.20M | $3.47M | $51.11M |
| Jun 2024 | $442.21M | $370.41M | $3.09M | $56.59M |
| Jun 2025 | $456.95M | $375.69M | $4.76M | $67.98M |
| Jun 2026 | $453.58M | $369.33M | $4.64M | $74.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $369.33M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $369.33M.
Similar-sized banks
Edison National Bank ($453.75M) · Citizens State Bank ($453.30M)
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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