SJN Bank of Kansas

116 E 3rd Avenue
Saint John, KS 67576

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4766
Date Established 1905
Assets $0.14 billion
Loans $0.08 billion
Deposits $0.12 billion
Capital $0.01 billion

SJN Bank of Kansas is an FDIC insured institution located in Saint John, KS. It was founded in 1905 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

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

Deposit Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.60% $50 - Learn MoreShow Less
6 Mo CD
1.05% $50 - Learn MoreShow Less
12 Mo CD
1.31% $50 - Learn MoreShow Less
18 Mo CD
1.41% $50 - Learn MoreShow Less
24 Mo CD
1.51% $50 - Learn MoreShow Less
36 Mo CD
1.71% $50 - Learn MoreShow Less
48 Mo CD
1.96% $50 - Learn MoreShow Less
60 Mo CD
2.22% $50 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SJN Bank of Kansas

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to SJN Bank of Kansas
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Branches

SJN Bank of Kansas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


SJN Bank of Kansas Locations


Financial Details

SJN Bank of Kansas Ratio Analysis

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

Texas Ratio
SJN Bank of Kansas U.S. Bank Average
7.54% 6.94%

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 March 31, 2019, SJN Bank of Kansas had $1,210,000 in non-current loans and $85,000 in owned real estate. To cover these potential losses it had $14,949,000 in equity and $2,226,000 in loans loss reserves. That gives it a Texas Ratio of 7.54%.

Return on Equity
SJN Bank of Kansas U.S. Bank Average
11.41% 9.47%

SJN Bank of Kansas has a Return on Equity of 11.41% versus the BestCashCow average of 9.47%. 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
SJN Bank of Kansas U.S. Bank Average
10.58% 12.49%

SJN Bank of Kansas has a Capitalization of 10.58% versus the BestCashCow average of 12.49. 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.

SJN Bank of Kansas Balance Sheet Analysis

As of March 31, 2019, SJN Bank of Kansas had assets of $141,250,000, loans of $80,484,000, and deposits of $120,667,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 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 $0.01 billion
     Total Assets $0.13 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 76.12%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
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 SJN Bank of Kansas’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Kansas, SJN Bank of Kansas has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.31
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 2.01
Small Business Loans 0.00
Construction and Development Loans 1.69
Commercial Real Estate 5.59
Commercial and Industrial Loans 15.82
Farm Loans 39.40

Frequently Asked Questions About Sjn Bank Of Kansas

Branches and Savings

Is Sjn Bank Of Kansas FDIC insured?

Yes. It is covered under FDIC Certificate #4766.

Why does Sjn Bank Of Kansas pay such low interest on savings accounts?

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

Why are Sjn Bank Of Kansas CD rates not competitive?

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

Is Sjn Bank Of Kansas a commercial bank?

Yes

Where are Sjn Bank Of Kansas locations?

See branch locations nearby.

Is Sjn Bank Of Kansas open on Saturdays?

Is Sjn Bank Of Kansas open on Sundays?

What time does Sjn Bank Of Kansas open?

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Are Sjn Bank Of Kansas ATMs Open 24/7?

Do Sjn Bank Of Kansas ATMs accept cash deposits?

Can Sjn Bank Of Kansas customers use other ATMs?

Do Sjn Bank Of Kansas branches have notaries?

Will Sjn Bank Of Kansas notarize my document?

What address for Sjn Bank Of Kansas should I put for incoming ACH transfers?

Will the Sjn Bank Of Kansas branch print checks?

Do Sjn Bank Of Kansas checks expire?

Does Sjn Bank Of Kansas require US citizenship to open account?

Can Sjn Bank Of Kansas close my account?

Does Sjn Bank Of Kansas Report to credit bureaus?

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Products

Does Sjn Bank Of Kansas offer mortgages?

Compare mortgage rates here.

Does Sjn Bank Of Kansas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sjn Bank Of Kansas offer personal loans?

Compare personal loan rates here.

Does Sjn Bank Of Kansas offer student loans?

Will Sjn Bank Of Kansas cash a check?

Will Sjn Bank Of Kansas redeem a savings bond?

Does Sjn Bank Of Kansas cash savings bonds?

Will Sjn Bank Of Kansas cash money orders?

Can Sjn Bank Of Kansas issue a money order?

Does Sjn Bank Of Kansas do currency exchange?

Background on The Bank

Who owns Sjn Bank Of Kansas?

How long has Sjn Bank Of Kansas been around?

Can Sjn Bank Of Kansas transfer to other banks?

Does Sjn Bank Of Kansas have quick pay?

Does Sjn Bank Of Kansas accept rolled coins?

Will Sjn Bank Of Kansas accept loose change?

Where is Sjn Bank Of Kansas headquarters?

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