Southwind Bank
Natoma, Kansas · FDIC Cert #4735
This is the FDIC profile for Southwind Bank, an FDIC-insured bank (Certificate #4735) with $182M in total assets and $158M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Natoma, Kansas, the bank maintains a Tier 1 capital ratio of 9.64% (Well-Capitalized) and a nonperforming loan ratio of 0.87%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Southwind Bank (FDIC cert 4735) is a community bank — $182M in total assets, $158M in deposits, serving the Natoma, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.64% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.87% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 52.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.13% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Southwind Bank carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Southwind Bank
- Total Assets
- $182M
- Total Deposits
- $158M
- Tier 1 Capital Ratio
- 9.64%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.87%
- Liquidity Ratio
- 52.52%
- Return on Assets
- 2.13%
- Headquarters
- Natoma, Kansas
- FDIC Certificate
- #4735
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Southwind Bank files quarterly Call Reports with the FDIC under Certificate #4735. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Southwind Bank holds a Tier 1 capital ratio of 9.64%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Southwind Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Southwind Bank shows strong financial health indicators. With $182M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Southwind Bank Compares
Southwind Bank’s Health Score of 80 is 2 points below the Kansas state average of 82 across 159 FDIC-insured banks. Its 9.64% Tier 1 capital ratio is 4.4 points below the US banking industry average near 14%. The 0.87% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.13% is in line with or above the national ROA benchmark of ~1.1%. Among 1492 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Southwind Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 9.64%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Southwind Bank's Tier 1 capital ratio of 9.64% and nonperforming loan ratio of 0.87% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Southwind Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4735). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Southwind Bank holds $182M in total assets and $158M in total deposits. It is headquartered in Natoma, Kansas (FDIC Certificate #4735).
Southwind Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #4735 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Southwind Bank has a Tier 1 capital ratio of 9.64%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.87%, and the return on assets is 2.13%.
Yes. Southwind Bank is FDIC-insured (Certificate #4735). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Southwind Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.