The Bank (FDIC #26522): Bank Stress & Real-Estate Credit Exposure

The Bank (FDIC Cert #26522): bank stress 33/100, contained, STABLE over 7 days; parent DECATUR INVESTMENT INC.

The Bank (#26522) lends in 11 counties across 1 state; The Bank (#26522) reaches 63 ZIP codes: Kansas 11 counties, 63 ZIPs.

The Bank (#26522) largest markets: Ellis County, KS (12 branches, 12 ZIPs) (#26522), Russell County, KS (11 branches, 11 ZIPs) (#26522), Sheridan County, KS (11 branches, 11 ZIPs) (#26522), Gove County, KS (20 branches, 10 ZIPs) (#26522), Rawlins County, KS (10 branches, 10 ZIPs) (#26522), Thomas County, KS (8 branches, 8 ZIPs) (#26522).

The Bank (#26522) reports $617.3 million in total assets; The Bank (#26522) equity $75.2 million (12.2% of The Bank (#26522) assets); The Bank (#26522) domestic deposits $540.5 million; The Bank (#26522) net income $7.7 million; The Bank (#26522) return on assets 2.50%; The Bank (#26522) return on equity 21.16%; The Bank (#26522) net interest income $13.1 million; The Bank (#26522) call report June 30, 2026.

The Bank (#26522) noncurrent real-estate loans: none reported; The Bank (#26522) net charge-offs on real estate 4.32%; The Bank (#26522) residential charge-offs 5.00%.

The Bank (#26522) net interest margin 4.49% against an eight-quarter The Bank (#26522) average of 4.75% (The Bank (#26522) compression 0.26 points); The Bank (#26522) non-residential real estate 499.6% of equity; The Bank (#26522) rate-exposure score 40/100, The Bank (#26522) fixed-rate trap 40/100; The Bank (#26522) risk type rate trapped; The Bank (#26522) rate regime rates elevated, The Bank (#26522) snapshot October 19, 2026.

The Bank (#26522) stress score moved from 35.3 on June 21, 2026 to 32.8 on October 19, 2026; The Bank (#26522) ranged 32.8 to 35.3 over 117 snapshots.

The Bank (#26522) alerts: 11 counties; top The Bank (#26522) alert scores: Norton County, KS 26 (low); Atwood County, KS 15 (low); Colby County, KS 15 (low); Goodland County, KS 15 (low); Gorham County, KS 15 (low).