B
The Denison State Bank
HoltonKS
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Denison State Bank
Holton, KS
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Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 8.70
Stability Index 5.70
Company Info The Denison State Bank
Holton, KS
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FDIC Number 15305
Phone Number (785) 364-3131
Website www.dsbks.com
Asset Quality The Denison State Bank
Holton, KS
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1-Year Asset Growth 2.53%
5-Year Asset Growth 5.50%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 0.94%
Non-Performing Loans to Loans 0.25%
Balance Sheet The Denison State Bank
Holton, KS
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Total Assets 454.15M
Total Deposits 369.15M
Capital and Reserves The Denison State Bank
Holton, KS
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Capital 71.61M
Leverage Ratio 17.22
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio --
Liquidity The Denison State Bank
Holton, KS
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Hot Money Ratio 23.62%
Liquidity Ratio 13.57%
Profitability The Denison State Bank
Holton, KS
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5-Year Return on Average Assets 1.65%
Net Income 7.63M
Net Interest Spread 3.84%
Operating Profit to Average Assets 2.24%
Overhead Efficiency Ratio 49.36%
Return on Assets 2.17%
Return on Equity 15.27%