What is The Denison State Bank's financial health grade?

The Denison State Bank has a TFS Financial Health Grade of C- (score: 71.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Denison State Bank have?

The Denison State Bank has 5 branch locations across the United States.

Is The Denison State Bank FDIC insured?

Yes, The Denison State Bank is FDIC insured (Certificate #15305).

What are the total assets of The Denison State Bank?

The Denison State Bank has total assets of $468.7M as reported in its most recent FDIC filing.

The Denison State Bank

BankHolton, Kansas

http://www.dsbks.com

Total Assets

$468.7M

Total Deposits

$383.5M

Branches

Established

1901

TFS Health Grade

C-

71.3 / 100

Average financial health

How we grade

The Denison State Bank is a bank headquartered in Holton, Kansas, established in 1901. With $468.7M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio

16.83%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.80%

Profitability

Return on Assets (ROA)

1.83%(1%)

Return on Equity (ROE)

12.46%(10%)

Net Interest Margin

4.02%

Efficiency Ratio

50.89%(60%)

Lending & Liquidity

Total Loans

$308.8M

Loan-to-Deposit Ratio

79.66%

Net Charge-Off Ratio

0.53%

Growth

Asset Growth (YoY)

+2.38%

Deposit Growth (YoY)

+0.13%

Net Income

$8.4M

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.

Branch	Address	City	State	Type
The Denison State BankHQ	421 New York Ave	Holton	KS	11
The Denison State Bank	207 Arizona Ave	Holton	KS	11
The Denison State Bank	210 Hwy K-214	Hoyt	KS	11
The Denison State Bank	3675 74th St	Meriden	KS	11
The Denison State Bank	3640 Sw Fairlawn Rd	Topeka	KS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.