The Bank
Oberlin, KS
IDRSSD: 333650
Total Assets
$615.34M
Latest filing
Total Deposits
$541.02M
Latest filing
Net Interest Margin
4.54%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Bank
205 S Penn Ave
Oberlin, KS 67749
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/21/1985FDIC Certificate 33224
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Bank (Main) | 205 S Penn Ave | Oberlin, KS |
| GORHAM BRANCH | 129 Market St. | Gorham, KS |
| THE BANK OF GRAINFIELD BRANCH | 206 Main St | Grainfield, KS |
| JENNINGS BRANCH | 102 S Kansas Ave | Jennings, KS |
| COLBY BRANCH | 1195 S Range Ave | Colby, KS |
| WINONA BRANCH | 101 Bellview Ave | Winona, KS |
| NORTON BRANCH | 314 W Holme St | Norton, KS |
| COLBY BRANCH | 295 N Franklin Ave | Colby, KS |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/21/1985 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67749 |
| State and County Number | 20039 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 80 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2025 |
| Date of Deposit Insurance | 11/21/1985 |
| Primary Insurance Agency | DIF |
| Website | www.thebankks.com |
| Data Updated | 01/30/2026 |
| CERT | 26522 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $615.34M |
| Total Deposits | $541.02M |
| Total Liabilities | $542.72M |
| Total Equity Capital | $72.62M |
| Net Income | $3.01M |
| Net Loans and Leases | $371.96M |
| Assets Per Employee ($Millions) | $7.69M |
| Bank Premises and Fixed Assets | $4.29M |
| Cash and Balances due from Depository Institutions | $105.31M |
| Deposits Held in Domestic Offices | $541.02M |
Key Performance Ratios
| Return on Assets (ROA) | 2% |
| Return on Equity (ROE) | 16.84% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 47.01% |
| Tier 1 Risk-Based Capital Ratio | 16.828% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.801% |
| Earning Assets to total Assets | 93.71% |
Income and Expense
| Total Interest Income | $8.31M |
| Total Noninterest Income | $381.00k |
| Total Interest Expense | $1.89M |
| Total Noninterest Expense | $3.76M |
| Net Interest Income | $6.42M |
| Pre-tax Net Operating Income | $3.04M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $590.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.70M |
| Total Liabilities and Capital | $615.34M |
Securities
| Securities | $109.04M |
| Available-for-sale debt securities | $103.28M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $5.02M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Bank?
$615.34M as of the latest filing.
How much are The Bank's total deposits?
$541.02M in total deposits.
Where is The Bank located?
Oberlin, KS.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
16.
When was it established?
11/21/1985.
What is the Return on Assets (ROA)?
2%.
How much are total loans and leases?
$371.96M (latest filing).
What is the total interest income (latest filing)?
$8.31M.