Bison State Bank

Main Street
Bison, KS 67520

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14083
Date Established 1901
Assets $0.01 billion
Loans $0.00 billion
Deposits $0.01 billion
Capital $0.00 billion

Bison State Bank is an FDIC insured institution located in Bison, KS. It was founded in 1901 and has approximately $0.01 billion in assets.

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

Bank Loan Profile?

The top three loan types in Bison State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Kansas, Bison State Bank has a significantly higher percent of Consumer Auto 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.16
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 15.16
Small Business Loans 7.93
Construction and Development Loans 0.00
Commercial Real Estate 7.96
Commercial and Industrial Loans 16.74
Farm Loans 20.93

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

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Bison State Bank Locations

Financial Details

Bison State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bison State Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Bison State Bank U.S. Bank Average
2.63% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Bison State Bank had $20,000 in non-current loans and $11,000 in owned real estate. To cover these potential losses it had $1,021,000 in equity and $159,000 in loans loss reserves. That gives it a Texas Ratio of 2.63%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bison State Bank U.S. Bank Average
-5.21% 9.45%

Bison State Bank has a Return on Equity of -5.21% versus the BestCashCow average of 9.45%. 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.

Capitalization
Bison State Bank U.S. Bank Average
11.51% 11.28%

Bison State Bank has a Capitalization of 11.51% versus the BestCashCow average of 11.28%. 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.

Bison State Bank Balance Sheet Analysis

As of June 30, 2016, Bison State Bank had assets of $8,869,000, loans of $3,292,000, and deposits of $7,847,000. 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.

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