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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Holton, KS · FDIC certificate #15305
DENISON STATE BANK is an FDIC-insured institution based in Holton, KS (FDIC certificate #15305). In its Q3 2026 Call Report it reported total assets of $453M, total deposits of $370M and net loans of $299M. Its primary federal regulator is FDIC.
Plain-language readout
DENISON STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $468M in Q1 2026 and were lowest at $453M in Q3 2026.
Total deposits were highest at $384M in Q1 2026 and lowest at $369M in Q2 2026.
Over the whole period total assets fell 3.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $453M | $370M | $299M | 1.72% | 10.78% | 4.35% |
| Q2 2026 | $454M | $369M | $301M | 2.00% | 12.64% | 4.32% |
| Q1 2026 | $468M | $384M | $301M | 1.71% | 11.02% | 4.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.8M | $23.9M | -$17.1M | -71.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $117.2M | $115.8M | +$1.4M | +1.2% |
| Equity securities with readily determinable fair values, not held for trading | $240K | $238K | +$2K | +0.8% |
| Loans and leases held for sale | $248K | $135K | +$113K | +83.7% |
| Net loans and leases (after allowance) | $300.4M | $301.0M | -$641K | -0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.3M | $3.8M | +$518K | +13.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $24.3M | $23.3M | +$993K | +4.3% |
| Total assets | $453.6M | $468.3M | -$14.7M | -3.1% |
| Liabilities | ||||
| Total deposits | $369.3M | $383.9M | -$14.6M | -3.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.2M | $9.7M | -$1.5M | -15.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$67K | +5.8% |
| Total liabilities | $378.8M | $394.8M | -$16.0M | -4.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $6.1M | $6.1M | $0K | 0.0% |
| Retained earnings | $76.1M | $75.2M | +$835K | +1.1% |
| Accumulated other comprehensive income | -$7.6M | -$8.1M | +$435K | +5.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $74.8M | $73.5M | +$1.3M | +1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.3M | $2.5M | +$762K | +30.1% |
| Adjusted nonperforming assets | $3.3M | $2.5M | +$762K | +30.1% |
| Tangible equity plus allowance | $77.9M | $77.9M | +$25K | +0.0% |
| Texas ratio (gross) | 4.23% | 3.25% | +0.98 pts | See points |
| Texas ratio (adjusted) | 4.23% | 3.25% | +0.98 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.23% | 3.25% | +0.98 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 17.53% | 17.27% | +0.26 pts | See points |
| Construction and land loans to total capital | 25.81% | 25.32% | +0.49 pts | See points |
| Commercial real estate to total capital | 41.05% | 40.89% | +0.15 pts | See points |
| Dividend payout, year to date | 38.80% | 0.00% | +38.80 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.64% | -10.29% | +0.65 pts | See points |
| Liquidity | ||||
| Core deposits | $334.0M | $347.4M | -$13.5M | -3.9% |
| Non-core funding | $43.6M | $46.2M | -$2.6M | -5.6% |
| Loans to core deposits | 90.88% | 87.90% | +2.98 pts | See points |
| Loans to deposits | 82.17% | 79.55% | +2.63 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 58.26% | 58.23% | +0.02 pts | See points |
| Loans pledged, share of loans | 12.34% | 12.17% | +0.17 pts | See points |
| Volatile liabilities | $43.6M | $46.2M | -$2.6M | -5.6% |
| Earnings | ||||
| Earnings before provision, year to date | $5.7M | $3.0M | +$2.7M | +90.0% |
| Earnings before provision, single quarter | $2.7M | $3.0M | -$299K | -10.0% |
| Provision for credit losses, year to date | $1.0M | $1.0M | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.05% | 7.21% | -0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 4.41% | 3.33% | +1.08 pts | See points |
| Total interest income to average assets | 5.26% | 5.37% | -0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.11% | 0.11% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.75% | 0.75% | +0.00 pts | See points |
| Cost of time deposits | 3.61% | 3.67% | -0.06 pts | See points |
| Total interest expense to average assets | 1.36% | 1.39% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $453M | $370M | $299M | 1.72% | 10.78% | 4.35% |
| 2026-06-30 | $454M | $369M | $301M | 2.00% | 12.64% | 4.32% |
| 2026-03-31 | $468M | $384M | $301M | 1.71% | 11.02% | 4.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $375.7M | 0.37% | 61 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.