Johnson State Bank is a state-chartered bank headquartered in Johnson, Kansas, in business for about 112 years. At the end of Q2 2026 it reported $96.6M in total assets and $80.7M in deposits, with 2 offices.
Based on its Q2 2026 filing, Johnson State Bank scores 85/100, which we describe as very strong. That is higher than 78% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 33rd. Its strongest component is capital cushion (97/100; 14.72%), and its lowest is earnings (57/100; 0.93%).
TellerScore · Q2 2026
Scorecard
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 rose 4 points (81 → 85), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 49 |
| Q4 2024 | 73 |
| Q1 2025 | 81 |
| Q2 2025 | 81 |
| Q3 2025 | 82 |
| Q4 2025 | 77 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.68% |
| Q3 2024 | 15.96% |
| Q4 2024 | 15.96% |
| Q1 2025 | 15.89% |
| Q2 2025 | 16.51% |
| Q3 2025 | 16.84% |
| Q4 2025 | 16.06% |
| Q1 2026 | 15.03% |
| Q2 2026 | 14.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 8.08% |
| Q3 2024 | 8.81% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.15% |
| Q3 2024 | -0.70% |
| Q4 2024 | -0.50% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.47% |
| Q4 2025 | -0.16% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $96.6M | 14.72% | 0.12% | 0.93% | 42.6% |
| Q1 2026 | 85 | $100.7M | 15.03% | 0.12% | 0.79% | 37.6% |
| Q4 2025 | 77 | $94.1M | 16.06% | 0.13% | -0.16% | 42.8% |
| Q3 2025 | 82 | $89.2M | 16.84% | 0.13% | 0.47% | 47.2% |
| Q2 2025 | 81 | $88.3M | 16.51% | 0.14% | 0.47% | 47.3% |
| Q1 2025 | 81 | $90.6M | 15.89% | 0.17% | 0.48% | 40.6% |
| Q4 2024 | 73 | $92.9M | 15.96% | 0.20% | -0.50% | 37.7% |
| Q3 2024 | 49 | $91.8M | 15.96% | 8.81% | -0.70% | 41.5% |
| Q2 2024 | 49 | $94.1M | 15.68% | 8.08% | -1.15% | 43.8% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State Bank of Cheney, KansasBank Cheney, KS | 74 out of 100, Strong | $96.7M | 11.1% | 1.30% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| Integrity BankBank Montezuma, KS | 80 out of 100, Strong | $99.7M | 10.3% | 0.00% | vs |
| The Stock Exchange Bank, Caldwell, KansasBank Caldwell, KS | 60 out of 100, Moderate | $90.3M | 9.0% | 1.03% | vs |
| New Century BankBank Belleville, KS | 79 out of 100, Strong | $88.9M | 13.2% | 0.87% | vs |
| The First National Bank of DightonBank Dighton, KS | 64 out of 100, Moderate | $88.5M | 16.1% | 2.39% | vs |
Deposit insurance
Is my money safe at Johnson State Bank?
Yes. Johnson State Bank is an FDIC-insured institution (FDIC certificate #15237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.7% of deposits ($22.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.72%, well 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%).
2 locations
Branches
Johnson State Bank lists 2 offices in 2 cities. Most locations:
- Johnson, KS (1)
- Ulysses, KS (1)
Identity & history
Profile
- Legal name
- Johnson State Bank
- Former names
- The Johnson State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15237
- RSSD ID
- 235950
- Primary regulator
- FDIC
- Holding company
- Johnson State Bancshares Inc
- Established
- November 14, 1914
- Headquarters
- 106 N Main St, Johnson, KS 67855
- Website
- www.johnsonstatebank.com
- Employees
- 17
Quick answers
Johnson State Bank: common questions
Is Johnson State Bank FDIC insured?
Yes. Johnson State Bank is an FDIC-insured institution (FDIC certificate #15237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Johnson State Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Johnson State Bank ever failed?
There is no failure record for FDIC certificate #15237 in the FDIC failed bank list.
How many branches does Johnson State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Johnson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grant County BankBank Ulysses, KS | 69 out of 100, Moderate | $298.3M | 13.3% | 2.07% | vs |
| Dream First Bank, National AssociationBank Syracuse, KS | 55 out of 100, Moderate | $963.7M | 9.7% | 1.86% | vs |