Almena State Bank


500 Main Street
Almena, KS 67622
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.65% →
1-Year CD 0.65% 0.70% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.00% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Almena State Bank is an FDIC insured institution located in Almena, KS. It was founded in 1934 and has approximately $0.07 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 15426
Date Established 1934
Assets $ 73.53 million
Loans $ 44.64 million
Deposits $ 64.94 million
Capital $ 0.03 million

For a more detailed analysis of Almena State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 30, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.75% $2,500 $2,999 Learn More
Money Market
0.85% $10,000 $14,999 Learn More
Money Market
0.85% $25,000 $29,999 Learn More
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.67% $10,000 $14,999 Learn More
18 Mo CD
0.67% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.84% $10,000 $14,999 Learn More
36 Mo CD
0.84% $100,000 $199,999 Learn More
48 Mo CD
0.92% $10,000 $14,999 Learn More
48 Mo CD
0.92% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 30, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Almena State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.588% 2.490%
0.88 points
$3,248 fees
$987 Learn More
Rocket Mortgage
NMLS ID: 3030
3.349% 3.250%
0.75 points
$3,125 fees
$1,089 Learn More
CIT Bank
NMLS ID: 541760
2.825% 2.750%
1.00 points
$2,425 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Almena State Bank
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Almena State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Almena State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Almena State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Almena State Bank U.S. Bank Average
243.03% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Almena State Bank had $11,887,000 in non-current loans and $855,000 in owned real estate. To cover these potential losses it had $29,000 in equity and $5,214,000 in loans loss reserves. That gives it a Texas Ratio of 243.03%.

Return on Equity
Almena State Bank U.S. Bank Average
-9.18% 11.43%

Almena State Bank has a Return on Equity of -9.18% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Almena State Bank U.S. Bank Average
0.04% 11.51%

Almena State Bank has a Capitalization of 0.04% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Almena State Bank Balance Sheet Analysis

As of September 30, 2020, Almena State Bank had assets of $65,733,000, loans of $44,641,000, and deposits of $64,941,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 6.49 million
Interest-bearing balances $ 6.21 million
Total securities $ 7.41 million
Federal funds sold and reverse repurchase $ 3.63 million
Net loans and leases $ 44.64 million
Loan loss allowance $ 5.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.86 million
Goodwill and other intangibles N.A.
All other assets $ 0.89 million
     Total Assets $ 65.70 million
Total deposits $ 64.94 million
      Interest-bearing deposits $ 46.76 million
      Deposits held in domestic offices $ 64.94 million
      % insured (estimated) 97.65%
Federal funds purchased and repurchase agreements $ 0.30 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.47 million
      Total Liabilities $ 65.70 million
      Shareholders’ Equity $ 7.82 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 2.24 million
Total Interest Expense $ 1.02 million
Net interest income $ 1.22 million
Provision for loan and lease losses $ 2.45 million
Total non interest income $ 0.16 million
Total non interest expense $ 2.86 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Almena State Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Kansas, Almena State Bank has a significantly higher percent of Small Business Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.69
Credit Card Loans 0.00
Consumer Auto Loans 2.89
Small Business Loans 8.40
Construction and Development Loans 0.00
Commercial Real Estate 25.73
Commercial and Industrial Loans 22.02
Farm Loans 36.99

Frequently Asked Questions About Almena State Bank

Branches and Savings

Is Almena State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15426.

Why does Almena State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Almena State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Almena State Bank a commercial bank?


Where are Almena State Bank locations?

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Is Almena State Bank open on Saturdays?

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Are Almena State Bank ATMs Open 24/7?

Do Almena State Bank ATMs accept cash deposits?

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Do Almena State Bank branches have notaries?

Will Almena State Bank notarize my document?

What address for Almena State Bank should I put for incoming ACH transfers?

Will the Almena State Bank branch print checks?

Do Almena State Bank checks expire?

Does Almena State Bank require US citizenship to open account?

Can Almena State Bank close my account?

Does Almena State Bank Report to credit bureaus?

Does Almena State Bank Use Equifax?

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What is Almena State Bank's SWIFT code?


Does Almena State Bank offer mortgages?

Compare mortgage rates here.

Does Almena State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Almena State Bank offer personal loans?

Compare personal loan rates here.

Does Almena State Bank offer student loans?

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Will Almena State Bank redeem a savings bond?

Does Almena State Bank cash savings bonds?

Will Almena State Bank cash money orders?

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Does Almena State Bank do currency exchange?

Background on The Bank

Who owns Almena State Bank?

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Does Almena State Bank have quick pay?

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