B
The Bank
Oberlin,  KS
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Bank
Oberlin, KS
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Rating B
Asset Quality Index 3.40
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 9.70
Stability Index 10.00
Company Info The Bank
Oberlin, KS
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FDIC Number 26522
Phone Number (785) 475-3817
Website onlinebanking.thebankks.com/Pages/Default.html
Asset Quality The Bank
Oberlin, KS
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1-Year Asset Growth 6.82%
5-Year Asset Growth 11.19%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.88%
Non-Performing Loans to Capital 14.31%
Non-Performing Loans to Loans 3.40%
Balance Sheet The Bank
Oberlin, KS
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Total Assets 617.26M
Total Deposits 540.52M
Capital and Reserves The Bank
Oberlin, KS
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Capital 75.20M
Leverage Ratio 11.46
Loan Loss Reserves to Loans 1.93%
Risk-Based Capital Ratio 19.35
Liquidity The Bank
Oberlin, KS
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Hot Money Ratio 18.06%
Liquidity Ratio 25.77%
Profitability The Bank
Oberlin, KS
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5-Year Return on Average Assets 1.94%
Net Income 7.73M
Net Interest Spread 4.49%
Operating Profit to Average Assets 2.51%
Overhead Efficiency Ratio 44.78%
Return on Assets 2.50%
Return on Equity 21.27%