B
The Baldwin State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Baldwin State Bank
Baldwin City, KS
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Rating B
Asset Quality Index 9.50
Capitalization Index 8.70
Liquidity Index 4.60
Profitability Index 4.10
Stability Index 5.90
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 4.90%
5-Year Asset Growth 4.61%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.38%
Non-Performing Loans to Loans 0.09%
Balance Sheet The Baldwin State Bank
Baldwin City, KS
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Total Assets 107.92M
Total Deposits 94.95M
Capital and Reserves The Baldwin State Bank
Baldwin City, KS
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Capital 11.11M
Leverage Ratio 10.11
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio --
Liquidity The Baldwin State Bank
Baldwin City, KS
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Hot Money Ratio 15.67%
Liquidity Ratio 48.55%
Profitability The Baldwin State Bank
Baldwin City, KS
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5-Year Return on Average Assets 0.63%
Net Income 798.00K
Net Interest Spread 2.94%
Operating Profit to Average Assets 1.04%
Overhead Efficiency Ratio 67.78%
Return on Assets 1.00%
Return on Equity 10.22%