State Bank of Downs

BankDowns, Kansas
www.statebankofdowns.com

Total Assets

$140.3M

Total Deposits

$119.6M

Branches

2

Established

1892

TFS Health Grade

$
C-

71.0 / 100

Average financial health

How we grade

State Bank of Downs is a bank headquartered in Downs, Kansas, established in 1892. With $140.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C- (71.0/100).

Capital & Safety

Tier 1 Capital Ratio
13.13%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.59%(1%)
Return on Equity (ROE)
11.89%(10%)
Net Interest Margin
3.77%
Efficiency Ratio
55.36%(60%)

Lending & Liquidity

Total Loans
$85.5M
Loan-to-Deposit Ratio
70.58%
Net Charge-Off Ratio
0.09%

Growth

Asset Growth (YoY)
+1.82%
Deposit Growth (YoY)
+1.64%
Net Income
$2.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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