Denison State Bank (FDIC #15305): Bank Stress & Real-Estate Credit Exposure
Denison State Bank (FDIC Cert #15305): bank stress 28/100, contained, STABLE over 7 days; parent DENISON BANCSHARES INC HOLTON.
Denison State Bank (#15305) lends in 3 counties across 1 state; Denison State Bank (#15305) reaches 53 ZIP codes: Kansas 3 counties, 53 ZIPs.
Denison State Bank (#15305) largest markets: Shawnee County, KS (29 branches, 29 ZIPs) (#15305), Jackson County, KS (54 branches, 18 ZIPs) (#15305), Jefferson County, KS (15 branches, 15 ZIPs) (#15305).
Denison State Bank (#15305) reports $453.6 million in total assets; Denison State Bank (#15305) equity $74.8 million (16.5% of Denison State Bank (#15305) assets); Denison State Bank (#15305) domestic deposits $369.3 million; Denison State Bank (#15305) net income $4.6 million; Denison State Bank (#15305) return on assets 2.00%; Denison State Bank (#15305) return on equity 12.64%; Denison State Bank (#15305) net interest income $9.3 million; Denison State Bank (#15305) call report June 30, 2026.
Denison State Bank (#15305) noncurrent real-estate loans: none reported; Denison State Bank (#15305) net charge-offs on real estate 0.75%; Denison State Bank (#15305) residential charge-offs 2.22%.
Denison State Bank (#15305) net interest margin 4.32% against an eight-quarter Denison State Bank (#15305) average of 3.94% (Denison State Bank (#15305) compression -0.37 points); Denison State Bank (#15305) non-residential real estate 221.7% of equity; Denison State Bank (#15305) rate-exposure score 40/100, Denison State Bank (#15305) fixed-rate trap 40/100; Denison State Bank (#15305) risk type rate trapped; Denison State Bank (#15305) rate regime rates elevated, Denison State Bank (#15305) snapshot October 20, 2026.
Denison State Bank (#15305) stress score moved from 34.8 on June 22, 2026 to 27.7 on October 20, 2026; Denison State Bank (#15305) ranged 27.7 to 34.8 over 117 snapshots.
Denison State Bank (#15305) alerts: 3 counties; top Denison State Bank (#15305) alert scores: Hoyt County, KS 14 (low); Meriden County, KS 14 (low); Topeka County, KS 14 (low).