TellerScore

American Bank of Baxter Springs (FDIC certificate #4624) is based in Baxter Springs, Kansas. Its Q2 2026 call report shows $170.2M in total assets and $152.3M in deposits and 3 offices.

Based on its Q2 2026 filing, American Bank of Baxter Springs scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 118th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (48/100; 67% loans-to-deposits, 55% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.98%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 67.2% · 55.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (75 → 72), mostly because the earnings component weakened by 17 points.

TellerScore
697478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202477
Q1 202576
Q2 202575
Q3 202575
Q4 202572
Q1 202669
Q2 202672
Tier 1 leverage ratio
5.00%8.24%11.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.96%
Q3 202411.23%
Q4 202411.47%
Q1 20259.87%
Q2 20259.64%
Q3 20259.88%
Q4 20259.94%
Q1 20269.20%
Q2 20269.98%
Noncurrent loans
0.00%0.00%0.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.15%1.47%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.35%
Q4 20241.23%
Q1 20251.79%
Q2 20251.79%
Q3 20251.65%
Q4 20251.34%
Q1 20261.15%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$170.2M9.98%0.00%1.38%67.2%
Q1 202669$187.2M9.20%0.00%1.15%56.5%
Q4 202572$194.7M9.94%0.00%1.34%53.4%
Q3 202575$177.8M9.88%0.00%1.65%58.1%
Q2 202575$186.4M9.64%0.00%1.79%52.3%
Q1 202576$191.8M9.87%0.00%1.79%46.9%
Q4 202477$147.0M11.47%0.00%1.23%58.5%
Q3 202478$136.2M11.23%0.00%1.35%59.4%
Q2 202478$143.8M10.96%0.00%1.31%55.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.98%
31st
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.38%
58th
Net interest margin3.76%
40th
Efficiency ratio61.4%
53rd
Loans to deposits67.2%
74th
Uninsured deposits55.4%
3rd
Loan-loss reserves1.51%
80th
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers National BankBank Phillipsburg, KS91 out of 100, Very strong$172.5M19.6%0.41%vs
Impact BankBank Wellington, KS80 out of 100, Strong$167.2M10.6%0.03%vs
The Community BankBank Liberal, KS85 out of 100, Very strong$173.5M12.8%0.04%vs
The First National Bank of Scott CityBank Scott City, KS85 out of 100, Very strong$173.8M14.5%0.33%vs
Bank of Prairie VillageBank Prairie Village, KS72 out of 100, Strong$175.7M10.2%0.07%vs
First BankBank Sterling, KS45 out of 100, Below average$162.4M12.4%7.82%vs

Deposit insurance

Is my money safe at American Bank of Baxter Springs?

Yes. American Bank of Baxter Springs is an FDIC-insured institution (FDIC certificate #4624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 55.4% of deposits ($84.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

American Bank of Baxter Springs lists 3 offices in 3 cities. Most locations:

  • Baxter Springs, KS (1)
  • Columbus, KS (1)
  • Galena, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
American Bank of Baxter Springs
Former names
The American National Bank of Baxter Springs
Type
State-chartered bank (Fed member)
FDIC certificate #
4624
RSSD ID
1002953
Primary regulator
FED
Holding company
American Bancshares Inc
Established
January 1, 1917
Headquarters
1201 Military Ave, Baxter Springs, KS 66713
Employees
29

Quick answers

American Bank of Baxter Springs: common questions

Is American Bank of Baxter Springs FDIC insured?

Yes. American Bank of Baxter Springs is an FDIC-insured institution (FDIC certificate #4624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Bank of Baxter Springs's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Bank of Baxter Springs ever failed?

There is no failure record for FDIC certificate #4624 in the FDIC failed bank list.

How many branches does American Bank of Baxter Springs have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Baxter Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Joplin Metro Credit UnionCredit union Joplin, MO89 out of 100, Very strong$57.8M17.7%0.78%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
The Baxter State BankBank Baxter Springs, KS84 out of 100, Strong$25.2M19.7%1.11%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs