The Denison State Bank is a state-chartered bank headquartered in Holton, Kansas, in business for about 125 years. At the end of Q2 2026 it reported $453.6M in total assets and $369.3M in deposits, with 5 offices.
Based on its Q2 2026 filing, The Denison State Bank scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 23rd. Its strongest component is capital cushion (100/100; 17.53%), and its lowest is loan quality (64/100; 1.08%).
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 5 points (92 → 87), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 90 |
| Q4 2024 | 91 |
| Q1 2025 | 94 |
| Q2 2025 | 92 |
| Q3 2025 | 94 |
| Q4 2025 | 88 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.69% |
| Q3 2024 | 15.94% |
| Q4 2024 | 16.07% |
| Q1 2025 | 16.41% |
| Q2 2025 | 16.56% |
| Q3 2025 | 17.22% |
| Q4 2025 | 16.83% |
| Q1 2026 | 17.27% |
| Q2 2026 | 17.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.83% |
| Q2 2026 | 1.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.41% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.71% |
| Q1 2025 | 2.10% |
| Q2 2025 | 2.08% |
| Q3 2025 | 2.22% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.71% |
| Q2 2026 | 2.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $453.6M | 17.53% | 1.08% | 2.00% | 81.4% |
| Q1 2026 | 87 | $468.3M | 17.27% | 0.83% | 1.71% | 78.5% |
| Q4 2025 | 88 | $468.7M | 16.83% | 0.80% | 1.83% | 79.7% |
| Q3 2025 | 94 | $454.1M | 17.22% | 0.27% | 2.22% | 79.5% |
| Q2 2025 | 92 | $456.9M | 16.56% | 0.52% | 2.08% | 78.2% |
| Q1 2025 | 94 | $461.0M | 16.41% | 0.36% | 2.10% | 76.9% |
| Q4 2024 | 91 | $457.8M | 16.07% | 0.42% | 1.71% | 76.1% |
| Q3 2024 | 90 | $442.9M | 15.94% | 0.46% | 1.55% | 76.6% |
| Q2 2024 | 88 | $442.2M | 15.69% | 0.48% | 1.41% | 74.9% |
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 Citizens State BankBank Moundridge, KS | 95 out of 100, Very strong | $450.6M | 14.4% | 0.01% | vs |
| Bank of the PlainsBank Plains, KS | 71 out of 100, Strong | $445.6M | 9.3% | 0.44% | vs |
| The Citizens State BankBank Marysville, KS | 65 out of 100, Moderate | $442.4M | 9.8% | 1.28% | vs |
| Solutions North BankBank Stockton, KS | 77 out of 100, Strong | $469.5M | 10.9% | 0.28% | vs |
| The Union State Bank of EverestBank Everest, KS | 68 out of 100, Moderate | $427.3M | 10.0% | 1.06% | vs |
| Astra BankBank Scandia, KS | 70 out of 100, Strong | $423.3M | 9.3% | 0.03% | vs |
Deposit insurance
Is my money safe at The Denison State Bank?
Yes. The Denison State Bank is an FDIC-insured institution (FDIC certificate #15305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($59.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.53%, 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%).
5 locations
Branches
The Denison State Bank lists 5 offices in 4 cities. Most locations:
- Holton, KS (2)
- Hoyt, KS (1)
- Meriden, KS (1)
- Topeka, KS (1)
HMDA 2025
Mortgage lending
In 2025, The Denison State Bank reported 136 home-loan applications under HMDA (LEI 254900UA19NBVHVPQ177): 112 originated ($19,380,000 total), 9 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.2%, 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 Denison State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15305
- RSSD ID
- 869551
- Primary regulator
- FDIC
- Holding company
- Denison Bancshares Inc Holton
- Established
- January 1, 1901
- Headquarters
- 421 New York Ave, Holton, KS 66436
- Website
- www.dsbks.com
- Employees
- 71
Quick answers
The Denison State Bank: common questions
Is The Denison State Bank FDIC insured?
Yes. The Denison State Bank is an FDIC-insured institution (FDIC certificate #15305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Denison State Bank's TellerScore?
87 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 The Denison State Bank ever failed?
There is no failure record for FDIC certificate #15305 in the FDIC failed bank list.
How many branches does The Denison State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Holton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Exchange Bank & TrustBank Atchison, KS | 88 out of 100, Very strong | $626.8M | 13.0% | 0.23% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |
| The Farmers State BankBank Holton, KS | 83 out of 100, Strong | $86.3M | 12.7% | 0.45% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| First Heritage BankBank Centralia, KS | 73 out of 100, Strong | $303.4M | 9.0% | 0.00% | vs |
| Bank of the Flint HillsBank Wamego, KS | 71 out of 100, Strong | $544.5M | 8.6% | 0.03% | vs |