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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Altamont, KS · FDIC certificate #17068
LABETTE BANK is an FDIC-insured institution based in Altamont, KS (FDIC certificate #17068). In its Q3 2026 Call Report it reported total assets of $525M, total deposits of $438M and net loans of $300M. Its primary federal regulator is FDIC.
Plain-language readout
LABETTE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $547M in Q1 2026 and were lowest at $525M in Q3 2026.
Total deposits were highest at $461M in Q1 2026 and lowest at $438M in Q3 2026.
Over the whole period total assets fell 4.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $525M | $438M | $300M | 1.08% | 8.35% | 4.06% |
| Q2 2026 | $544M | $457M | $308M | 1.04% | 8.13% | 3.97% |
| Q1 2026 | $547M | $461M | $304M | 1.12% | 8.75% | 3.87% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $49.5M | $64.1M | -$14.6M | -22.8% |
| 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) | $164.2M | $156.3M | +$7.8M | +5.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $307.6M | $304.0M | +$3.6M | +1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.4M | $5.4M | -$29K | -0.5% |
| 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) | $1.2M | $1.2M | $0K | 0.0% |
| All other assets | $16.6M | $16.3M | +$296K | +1.8% |
| Total assets | $544.4M | $547.3M | -$2.9M | -0.5% |
| Liabilities | ||||
| Total deposits | $457.2M | $461.4M | -$4.2M | -0.9% |
| 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 | $12.2M | $12.2M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.7M | $4.7M | +$69K | +1.5% |
| Total liabilities | $474.1M | $478.3M | -$4.2M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $275K | $275K | $0K | 0.0% |
| Surplus | $10.1M | $10.1M | $0K | 0.0% |
| Retained earnings | $61.5M | $60.2M | +$1.3M | +2.2% |
| Accumulated other comprehensive income | -$1.5M | -$1.5M | -$82K | -5.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $70.3M | $69.1M | +$1.2M | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.4M | $5.9M | -$531K | -9.0% |
| Adjusted nonperforming assets | $5.4M | $5.6M | -$238K | -4.2% |
| Tangible equity plus allowance | $72.8M | $71.4M | +$1.5M | +2.0% |
| Texas ratio (gross) | 7.41% | 8.31% | -0.90 pts | See points |
| Texas ratio (adjusted) | 7.41% | 7.90% | -0.48 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.41% | 7.90% | -0.48 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) | 13.06% | 12.92% | +0.14 pts | See points |
| Construction and land loans to total capital | 5.87% | 6.70% | -0.84 pts | See points |
| Commercial real estate to total capital | 70.65% | 73.04% | -2.39 pts | See points |
| Dividend payout, year to date | 0.89% | 1.66% | -0.78 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.90% | -2.80% | -0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $425.3M | $431.1M | -$5.8M | -1.3% |
| Non-core funding | $44.1M | $42.5M | +$1.5M | +3.6% |
| Loans to core deposits | 73.20% | 71.33% | +1.87 pts | See points |
| Loans to deposits | 68.09% | 66.64% | +1.45 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 56.16% | 69.13% | -12.97 pts | See points |
| Loans pledged, share of loans | 17.71% | 17.56% | +0.15 pts | See points |
| Volatile liabilities | $44.1M | $42.5M | +$1.5M | +3.6% |
| Earnings | ||||
| Earnings before provision, year to date | $4.3M | $2.1M | +$2.2M | +106.9% |
| Earnings before provision, single quarter | $2.2M | $2.1M | +$144K | +6.9% |
| Provision for credit losses, year to date | $430K | $200K | +$230K | +115.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.50% | 6.48% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.88% | 3.14% | +0.74 pts | See points |
| Total interest income to average assets | 4.99% | 4.82% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.82% | 0.83% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.82% | 0.82% | +0.00 pts | See points |
| Cost of time deposits | 3.51% | 3.57% | -0.06 pts | See points |
| Total interest expense to average assets | 1.15% | 1.17% | -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 | $525M | $438M | $300M | 1.08% | 8.35% | 4.06% |
| 2026-06-30 | $544M | $457M | $308M | 1.04% | 8.13% | 3.97% |
| 2026-03-31 | $547M | $461M | $304M | 1.12% | 8.75% | 3.87% |
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 | $427.4M | 0.42% | 53 | Continuing · -0.01 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.