The Baxter State Bank (FDIC certificate #12432) is based in Baxter Springs, Kansas. Its Q2 2026 call report shows $25.2M in total assets and $19.2M in deposits and 1 office.
Based on its Q2 2026 filing, The Baxter State Bank scores 84/100, which we describe as strong. That is higher than 76% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 36th. Its strongest component is capital cushion (100/100; 19.75%), and its lowest is loan quality (63/100; 1.11%).
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 17 points (67 → 84), mostly because the loan quality component improved by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 64 |
| Q1 2025 | 60 |
| Q2 2025 | 67 |
| Q3 2025 | 60 |
| Q4 2025 | 61 |
| Q1 2026 | 86 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.63% |
| Q3 2024 | 21.83% |
| Q4 2024 | 22.38% |
| Q1 2025 | 21.78% |
| Q2 2025 | 22.49% |
| Q3 2025 | 22.31% |
| Q4 2025 | 20.10% |
| Q1 2026 | 19.83% |
| Q2 2026 | 19.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.48% |
| Q3 2024 | 3.28% |
| Q4 2024 | 2.37% |
| Q1 2025 | 3.34% |
| Q2 2025 | 2.27% |
| Q3 2025 | 3.49% |
| Q4 2025 | 1.88% |
| Q1 2026 | 0.50% |
| Q2 2026 | 1.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.61% |
| Q4 2025 | -1.11% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $25.2M | 19.75% | 1.11% | 1.24% | 63.0% |
| Q1 2026 | 86 | $25.0M | 19.83% | 0.50% | 0.98% | 66.2% |
| Q4 2025 | 61 | $24.0M | 20.10% | 1.88% | -1.11% | 70.8% |
| Q3 2025 | 60 | $24.9M | 22.31% | 3.49% | 0.61% | 72.0% |
| Q2 2025 | 67 | $24.0M | 22.49% | 2.27% | 0.69% | 78.7% |
| Q1 2025 | 60 | $24.4M | 21.78% | 3.34% | 0.55% | 75.5% |
| Q4 2024 | 64 | $25.2M | 22.38% | 2.37% | 0.43% | 75.9% |
| Q3 2024 | 59 | $26.2M | 21.83% | 3.28% | 0.35% | 71.7% |
| Q2 2024 | 57 | $24.7M | 21.63% | 4.48% | 0.31% | 77.2% |
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 Farmers State BankBank Fairview, KS | 75 out of 100, Strong | $26.6M | 10.2% | 0.66% | vs |
| The Peoples State BankBank Cherryvale, KS | 89 out of 100, Very strong | $23.5M | 19.8% | 0.33% | vs |
| The Dickinson County BankBank Enterprise, KS | 73 out of 100, Strong | $23.4M | 13.7% | 2.09% | vs |
| The Liberty Savings Association, FSABank Fort Scott, KS | 86 out of 100, Very strong | $28.2M | 24.1% | 0.00% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| The Farmers State BankBank Dwight, KS | 48 out of 100, Below average | $19.5M | 10.5% | 6.76% | vs |
Deposit insurance
Is my money safe at The Baxter State Bank?
Yes. The Baxter State Bank is an FDIC-insured institution (FDIC certificate #12432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.3% of deposits ($2.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.75%, 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%).
1 location
Branches
The Baxter State Bank lists 1 office in 1 city. Most locations:
- Baxter Springs, KS (1)
Identity & history
Profile
- Legal name
- The Baxter State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12432
- RSSD ID
- 1000856
- Primary regulator
- FDIC
- Holding company
- Baxter Bancshares Inc
- Established
- January 1, 1905
- Headquarters
- 1401 Military Ave, Baxter Springs, KS 66713
- Website
- www.baxterstatebank.com
- Employees
- 7
Quick answers
The Baxter State Bank: common questions
Is The Baxter State Bank FDIC insured?
Yes. The Baxter State Bank is an FDIC-insured institution (FDIC certificate #12432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Baxter State Bank's TellerScore?
84 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 Baxter State Bank ever failed?
There is no failure record for FDIC certificate #12432 in the FDIC failed bank list.
How many branches does The Baxter State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baxter Springs
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Joplin Metro Credit UnionCredit union Joplin, MO | 89 out of 100, Very strong | $57.8M | 17.7% | 0.78% | vs |
| Service 1 Federal Credit UnionCredit union Muskegon, MI | 89 out of 100, Very strong | $198.5M | 18.6% | 0.42% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |