The Baldwin State Bank (FDIC certificate #10906) is based in Baldwin City, Kansas. Its Q2 2026 call report shows $115.5M in total assets and $102.6M in deposits and 2 offices.
Based on its Q2 2026 filing, The Baldwin State Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 93rd. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (51/100; 10.14%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 77 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.82% |
| Q3 2024 | 9.97% |
| Q4 2024 | 10.37% |
| Q1 2025 | 10.11% |
| Q2 2025 | 10.19% |
| Q3 2025 | 10.11% |
| Q4 2025 | 10.60% |
| Q1 2026 | 10.46% |
| Q2 2026 | 10.14% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.89% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $115.5M | 10.14% | 0.04% | 0.98% | 46.1% |
| Q1 2026 | 75 | $107.7M | 10.46% | 0.05% | 0.76% | 49.1% |
| Q4 2025 | 77 | $105.8M | 10.60% | 0.08% | 0.94% | 51.8% |
| Q3 2025 | 75 | $107.9M | 10.11% | 0.09% | 1.00% | 51.1% |
| Q2 2025 | 74 | $109.3M | 10.19% | 0.09% | 0.89% | 49.5% |
| Q1 2025 | 74 | $105.9M | 10.11% | 0.10% | 0.92% | 50.8% |
| Q4 2024 | 72 | $101.1M | 10.37% | 0.26% | 0.68% | 53.8% |
| Q3 2024 | 71 | $102.9M | 9.97% | 0.28% | 0.70% | 49.5% |
| Q2 2024 | 69 | $104.3M | 9.82% | 0.28% | 0.60% | 49.6% |
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 |
|---|---|---|---|---|---|
| The Lyndon State BankBank Lyndon, KS | 71 out of 100, Strong | $115.1M | 9.5% | 0.28% | vs |
| Home Savings BankBank Chanute, KS | 86 out of 100, Very strong | $115.1M | 16.7% | 0.12% | vs |
| Bank of Commerce and Trust CompanyBank Wellington, KS | 56 out of 100, Moderate | $112.8M | 8.8% | 1.17% | vs |
| First Federal Savings and Loan BankBank Olathe, KS | 74 out of 100, Strong | $109.5M | 12.3% | 1.28% | vs |
| The First State Bank of HealyBank Healy, KS | 82 out of 100, Strong | $108.8M | 16.8% | 0.89% | vs |
| The Wilson State BankBank Wilson, KS | 74 out of 100, Strong | $123.1M | 9.5% | 0.00% | vs |
Deposit insurance
Is my money safe at The Baldwin State Bank?
Yes. The Baldwin State Bank is an FDIC-insured institution (FDIC certificate #10906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.9% of deposits ($24.5M) 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 10.14%, 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
The Baldwin State Bank lists 1 office in 1 city. Most locations:
- Baldwin City, KS (1)
HMDA 2025
Mortgage lending
In 2025, The Baldwin State Bank reported 32 home-loan applications under HMDA (LEI 254900995FB5NC7SSE05): 30 originated ($6,480,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Baldwin State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10906
- RSSD ID
- 997155
- Primary regulator
- FDIC
- Holding company
- Baldwin Bancshares Inc
- Established
- August 29, 1892
- Headquarters
- 721 High St, Baldwin City, KS 66006
- Website
- www.baldwinstatebank.com
- Employees
- 16
Quick answers
The Baldwin State Bank: common questions
Is The Baldwin State Bank FDIC insured?
Yes. The Baldwin State Bank is an FDIC-insured institution (FDIC certificate #10906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Baldwin State Bank's TellerScore?
75 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 The Baldwin State Bank ever failed?
There is no failure record for FDIC certificate #10906 in the FDIC failed bank list.
How many branches does The Baldwin State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baldwin City
| 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 |
| Security Bank of Kansas CityBank Kansas City, KS | 85 out of 100, Very strong | $3.9B | 12.8% | 0.03% | vs |
| The Kansas State Bank Overbrook KansasBank Overbrook, KS | 82 out of 100, Strong | $101.2M | 13.2% | 0.70% | vs |
| Mutual Savings AssociationBank Leavenworth, KS | 80 out of 100, Strong | $398.6M | 23.8% | 1.11% | vs |
| Great American BankBank Lawrence, KS | 80 out of 100, Strong | $513.2M | 11.0% | 0.00% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |