B
The Baldwin State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings The Baldwin State Bank
Baldwin City, KS
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Rating B
Asset Quality Index 9.50
Capitalization Index 9.40
Liquidity Index 4.50
Profitability Index 3.90
Stability Index 6.00
Company Info The Baldwin State Bank
Baldwin City, KS
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FDIC Number 10906
Phone Number (785) 594-6421
Website secure.baldwinstatebank.com
Asset Quality The Baldwin State Bank
Baldwin City, KS
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1-Year Asset Growth 4.70%
5-Year Asset Growth 3.17%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.31%
Non-Performing Loans to Loans 0.07%
Balance Sheet The Baldwin State Bank
Baldwin City, KS
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Total Assets 105.84M
Total Deposits 92.56M
Capital and Reserves The Baldwin State Bank
Baldwin City, KS
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Capital 11.44M
Leverage Ratio 10.60
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio --
Liquidity The Baldwin State Bank
Baldwin City, KS
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Hot Money Ratio 17.02%
Liquidity Ratio 48.12%
Profitability The Baldwin State Bank
Baldwin City, KS
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5-Year Return on Average Assets 0.63%
Net Income 992.00K
Net Interest Spread 2.97%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 70.48%
Return on Assets 0.93%
Return on Equity 9.33%