Johnson State Bank

106 North Main Street
Johnson, KS 67855

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.46% 2.20% →
2-Year CD 1.66% 2.20% →
5-Year CD 1.86% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Johnson State Bank is an FDIC insured institution located in Johnson, KS. It was founded in 1914 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 15237
Date Established 1914
Assets $0.08 billion
Loans $0.03 billion
Deposits $0.06 billion
Capital $0.01 billion

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

Deposit Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.32% $2,500 $49,999 Learn MoreShow Less
0.80% $1,000 $24,999 Learn MoreShow Less
3 Mo CD
0.95% $100,000 - Learn MoreShow Less
1.10% $1,000 $24,999 Learn MoreShow Less
6 Mo CD
1.25% $100,000 - Learn MoreShow Less
1.30% $1,000 $24,999 Learn MoreShow Less
12 Mo CD
1.46% $100,000 - Learn MoreShow Less
1.51% $1,000 $24,999 Learn MoreShow Less
24 Mo CD
1.66% $100,000 - Learn MoreShow Less
1.61% $1,000 $24,999 Learn MoreShow Less
36 Mo CD
1.76% $100,000 - Learn MoreShow Less
48 Mo CD
1.71% $1,000 $24,999 Learn MoreShow Less
48 Mo CD
1.86% $100,000 - Learn MoreShow Less
1.71% $1,000 $24,999 Learn MoreShow Less
60 Mo CD
1.86% $100,000 - Learn MoreShow Less

1.56% $100 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.10% $1 $9,999 Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Johnson State Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Johnson State Bank
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Johnson 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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Johnson State Bank Locations

Financial Details

Johnson State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Johnson 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
Johnson State Bank U.S. Bank Average
13.66% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2019, Johnson State Bank had $1,956,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,944,000 in equity and $1,374,000 in loans loss reserves. That gives it a Texas Ratio of 13.66%.

Return on Equity
Johnson State Bank U.S. Bank Average
7.24% 9.72%

Johnson State Bank has a Return on Equity of 7.24% versus the BestCashCow average of 9.72%. 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.

Johnson State Bank U.S. Bank Average
16.5% 12.89%

Johnson State Bank has a Capitalization of 16.5% versus the BestCashCow average of 12.89. 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.

Johnson State Bank Balance Sheet Analysis

As of September 30, 2019, Johnson State Bank had assets of $78,431,000, loans of $33,159,000, and deposits of $62,474,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 74.54%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks, Johnson State Bank’s loan portfolio does not show any specific loan specialty.

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 12.06
Credit Card Loans 0.00
Consumer Auto Loans 4.31
Small Business Loans 0.00
Construction and Development Loans 0.20
Commercial Real Estate 17.64
Commercial and Industrial Loans 9.53
Farm Loans 11.15

Frequently Asked Questions About Johnson State Bank

Branches and Savings

Is Johnson State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15237.

Why does Johnson 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 Johnson State Bank CD rates not competitive?

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

Is Johnson State Bank a commercial bank?


Where are Johnson State Bank locations?

See branch locations nearby.

Is Johnson State Bank open on Saturdays?

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Do Johnson State Bank checks expire?

Does Johnson State Bank require US citizenship to open account?

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Does Johnson State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Johnson State Bank offer personal loans?

Compare personal loan rates here.

Does Johnson State Bank offer student loans?

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Background on The Bank

Who owns Johnson State Bank?

How long has Johnson State Bank been around?

Can Johnson State Bank transfer to other banks?

Does Johnson State Bank have quick pay?

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