The Baldwin State Bank: how it compares with its peers
Against 77 KS banks with half to twice its assets, The Baldwin State Bank's strongest measure in Q2 2026 is assets per employee ($7.2M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.04% vs. 3.96%).
| Measure | The Baldwin State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.40% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.04% | 3.96% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.15% | 58.80% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.1M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 46.14% | 74.24% | Context |
What it means for lending operations
Its efficiency ratio of 69.15% is above the 58.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Lyndon State Bank Lyndon, KS · $115M
- Home Savings Bank Chanute, KS · $115M
- Bank of Commerce and Trust Company Wellington, KS · $113M
- First Federal Savings and Loan Bank Olathe, KS · $109M
- The First State Bank of Healy Healy, KS · $109M
- The Wilson State Bank Wilson, KS · $123M
Questions about The Baldwin State Bank
How big is The Baldwin State Bank?
The Baldwin State Bank, established in 1892, is headquartered in Baldwin City, KS. It reported $116M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Baldwin State Bank's return on assets?
0.98% annualized in Q2 2026, against a 1.40% median for 77 KS banks with half to twice its assets, ahead of 19% of them.
What is The Baldwin State Bank's efficiency ratio?
69.15% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is The Baldwin State Bank growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.