SJN Bank of Kansas is a state-chartered bank headquartered in Saint John, Kansas, in business for about 121 years. At the end of Q2 2026 it reported $302.9M in total assets and $259.6M in deposits, with 8 offices.
SJN Bank of Kansas has a TellerScore of 37 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 184th. Funding & liquidity contributes the most (78/100, 71% loans-to-deposits, 24% uninsured); loan quality contributes the least (0/100, 6.97%).
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 fell 31 points (68 → 37), mostly because the loan quality component weakened by 78 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 64 |
| Q1 2025 | 63 |
| Q2 2025 | 68 |
| Q3 2025 | 63 |
| Q4 2025 | 47 |
| Q1 2026 | 44 |
| Q2 2026 | 37 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.19% |
| Q3 2024 | 9.01% |
| Q4 2024 | 9.20% |
| Q1 2025 | 9.48% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.97% |
| Q4 2025 | 8.31% |
| Q1 2026 | 8.78% |
| Q2 2026 | 9.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.40% |
| Q1 2025 | 1.14% |
| Q2 2025 | 0.65% |
| Q3 2025 | 1.44% |
| Q4 2025 | 2.15% |
| Q1 2026 | 2.32% |
| Q2 2026 | 6.97% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.71% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 37 | $302.9M | 9.24% | 6.97% | 0.91% | 71.4% |
| Q1 2026 | 44 | $292.5M | 8.78% | 2.32% | 0.43% | 72.1% |
| Q4 2025 | 47 | $314.9M | 8.31% | 2.15% | 1.01% | 76.8% |
| Q3 2025 | 63 | $277.8M | 9.97% | 1.44% | 1.39% | 83.7% |
| Q2 2025 | 68 | $272.2M | 9.76% | 0.65% | 1.29% | 79.9% |
| Q1 2025 | 63 | $268.3M | 9.48% | 1.14% | 1.19% | 76.4% |
| Q4 2024 | 64 | $275.3M | 9.20% | 0.40% | 0.71% | 79.4% |
| Q3 2024 | 62 | $272.0M | 9.01% | 0.45% | 0.50% | 80.5% |
| Q2 2024 | 62 | $260.8M | 9.19% | 0.15% | 0.04% | 74.8% |
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Heritage BankBank Centralia, KS | 73 out of 100, Strong | $303.4M | 9.0% | 0.00% | vs |
| Grant County BankBank Ulysses, KS | 69 out of 100, Moderate | $298.3M | 13.3% | 2.07% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |
| First Kansas BankBank Hoisington, KS | 74 out of 100, Strong | $294.4M | 8.3% | 0.00% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |
| Centera BankBank Sublette, KS | 78 out of 100, Strong | $318.1M | 9.6% | 0.01% | vs |
Deposit insurance
Is my money safe at SJN Bank of Kansas?
Yes. SJN Bank of Kansas is an FDIC-insured institution (FDIC certificate #4766). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($63.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.24%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.48% (benchmark: 10%).
8 locations
Branches
SJN Bank of Kansas lists 8 offices in 8 cities. Most locations:
- Burdett, KS (1)
- Greensburg, KS (1)
- Hudson, KS (1)
- La Crosse, KS (1)
- Macksville, KS (1)
- Marion, KS (1)
- Saint John, KS (1)
- Tampa, KS (1)
Identity & history
Profile
- Legal name
- SJN Bank of Kansas
- Former names
- The St. John National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 4766
- RSSD ID
- 412555
- Primary regulator
- FDIC
- Holding company
- Sjn Banc Co
- Established
- January 1, 1905
- Headquarters
- 116 E 3rd Ave, Saint John, KS 67576
- Website
- www.sjnbank.com
- Employees
- 43
Quick answers
SJN Bank of Kansas: common questions
Is SJN Bank of Kansas FDIC insured?
Yes. SJN Bank of Kansas is an FDIC-insured institution (FDIC certificate #4766). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SJN Bank of Kansas's TellerScore?
37 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SJN Bank of Kansas ever failed?
There is no failure record for FDIC certificate #4766 in the FDIC failed bank list.
How many branches does SJN Bank of Kansas have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint John
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| Fusion BankBank Larned, KS | 88 out of 100, Very strong | $281.0M | 12.8% | 0.47% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| Community National Bank & TrustBank Chanute, KS | 65 out of 100, Moderate | $2.5B | 9.0% | 0.80% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |
| Mid American Credit UnionCredit union Wichita, KS | 58 out of 100, Moderate | $531.9M | 8.9% | 0.47% | vs |