B
SJN Bank of Kansas
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings SJN Bank of Kansas
Saint John, KS
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Rating B
Asset Quality Index 5.20
Capitalization Index 8.50
Liquidity Index 3.20
Profitability Index 6.10
Stability Index 5.30
Company Info SJN Bank of Kansas
Saint John, KS
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FDIC Number 4766
Phone Number (620) 549-3225
Website www.sjnbank.com
Asset Quality SJN Bank of Kansas
Saint John, KS
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1-Year Asset Growth 2.14%
5-Year Asset Growth 10.35%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.79%
Non-Performing Loans to Capital 7.94%
Non-Performing Loans to Loans 1.29%
Balance Sheet SJN Bank of Kansas
Saint John, KS
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Total Assets 277.78M
Total Deposits 199.94M
Capital and Reserves SJN Bank of Kansas
Saint John, KS
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Capital 26.49M
Leverage Ratio 9.97
Loan Loss Reserves to Loans 1.92%
Risk-Based Capital Ratio 15.18
Liquidity SJN Bank of Kansas
Saint John, KS
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Hot Money Ratio 19.84%
Liquidity Ratio 7.12%
Profitability SJN Bank of Kansas
Saint John, KS
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5-Year Return on Average Assets 0.71%
Net Income 2.86M
Net Interest Spread 4.04%
Operating Profit to Average Assets 1.79%
Overhead Efficiency Ratio 54.83%
Return on Assets 1.39%
Return on Equity 15.95%