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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clyde, KS · FDIC certificate #15259
ELK STATE BANK is an FDIC-insured institution based in Clyde, KS (FDIC certificate #15259). In its Q3 2026 Call Report it reported total assets of $140M, total deposits of $113M and net loans of $79M. Its primary federal regulator is FDIC.
Plain-language readout
ELK STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $141M in Q1 2026 and were lowest at $139M in Q2 2026.
Total deposits were highest at $114M in Q1 2026 and lowest at $109M in Q2 2026.
Over the whole period total assets fell 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $140M | $113M | $79M | 0.76% | 10.65% | 3.10% |
| Q2 2026 | $139M | $109M | $77M | 0.70% | 9.89% | 3.03% |
| Q1 2026 | $141M | $114M | $76M | 0.75% | 10.55% | 3.08% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.4M | $5.5M | -$2.1M | -38.8% |
| 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) | $53.6M | $54.3M | -$683K | -1.3% |
| Equity securities with readily determinable fair values, not held for trading | $144K | $149K | -$5K | -3.4% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $76.8M | $76.1M | +$695K | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.4M | $0K | 0.0% |
| 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 | $3.4M | $3.8M | -$428K | -11.2% |
| Total assets | $138.7M | $141.2M | -$2.6M | -1.8% |
| Liabilities | ||||
| Total deposits | $109.0M | $113.8M | -$4.7M | -4.1% |
| Federal funds purchased | $2.4M | $0K | +$2.4M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $16.7M | $16.9M | -$196K | -1.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $564K | $702K | -$138K | -19.7% |
| Total liabilities | $128.7M | $131.4M | -$2.7M | -2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $10K | $10K | $0K | 0.0% |
| Surplus | $7.7M | $7.7M | $0K | 0.0% |
| Retained earnings | $3.7M | $3.7M | +$30K | +0.8% |
| Accumulated other comprehensive income | -$1.4M | -$1.5M | +$64K | +4.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.0M | $9.9M | +$94K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $3K | $4K | -$1K | -25.0% |
| Adjusted nonperforming assets | $3K | $4K | -$1K | -25.0% |
| Tangible equity plus allowance | $11.0M | $10.9M | +$119K | +1.1% |
| Texas ratio (gross) | 0.03% | 0.04% | -0.01 pts | See points |
| Texas ratio (adjusted) | 0.03% | 0.04% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.03% | 0.04% | -0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.01% | 14.11% | -0.11 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.01% | 14.11% | -0.11 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.26% | 15.36% | -0.11 pts | See points |
| Tier 1 leverage (approximate) | 8.25% | 7.86% | +0.39 pts | See points |
| Construction and land loans to total capital | 1.26% | 0.71% | +0.55 pts | See points |
| Commercial real estate to total capital | 30.17% | 28.36% | +1.81 pts | See points |
| Dividend payout, year to date | 81.47% | 76.63% | +4.84 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -26.87% | -34.01% | +7.14 pts | See points |
| Liquidity | ||||
| Core deposits | $97.4M | $100.0M | -$2.6M | -2.6% |
| Non-core funding | $30.7M | $30.6M | +$102K | +0.3% |
| Loans to core deposits | 79.87% | 77.06% | +2.81 pts | See points |
| Loans to deposits | 71.35% | 67.76% | +3.59 pts | See points |
| Brokered deposits share of deposits | 5.53% | 6.63% | -1.10 pts | See points |
| Pledged securities share of securities | 61.27% | 61.39% | -0.11 pts | See points |
| Loans pledged, share of loans | 11.35% | 11.72% | -0.36 pts | See points |
| Volatile liabilities | $30.7M | $30.6M | +$102K | +0.3% |
| Earnings | ||||
| Earnings before provision, year to date | $655K | $368K | +$287K | +78.0% |
| Earnings before provision, single quarter | $287K | $368K | -$81K | -22.0% |
| Provision for credit losses, year to date | $50K | $25K | +$25K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.81% | 6.85% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 24.13% | 47.75% | -23.62 pts | See points |
| Total interest income to average assets | 4.83% | 4.83% | +0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.52% | 0.54% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.45% | 1.34% | +0.12 pts | See points |
| Cost of time deposits | 3.44% | 3.42% | +0.02 pts | See points |
| Total interest expense to average assets | 1.98% | 2.00% | -0.02 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 | $140M | $113M | $79M | 0.76% | 10.65% | 3.10% |
| 2026-06-30 | $139M | $109M | $77M | 0.70% | 9.89% | 3.03% |
| 2026-03-31 | $141M | $114M | $76M | 0.75% | 10.55% | 3.08% |
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 | $99.3M | 0.10% | 150 | 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.