Southwind Bank
Natoma, Kansas · FDIC Cert #4735
Southwind Bank is an FDIC-insured bank (Certificate #4735) with $182M in total assets and $158M in total deposits as of the Q2 2024 Call Report. Headquartered in Natoma, Kansas, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.87%. BankHealthData assigns a composite Health Grade of C (60/100). 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.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. 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 C (60/100) 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
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.87%
- Liquidity Ratio
- 52.52%
- Return on Assets
- 2.13%
- Headquarters
- Natoma, Kansas
- FDIC Certificate
- #4735
- Health Grade
- C (60/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Southwind Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Southwind Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Southwind Bank shows average financial health. While not alarming, its Health Score of 60/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 60 is 9 points below the Kansas state average of 69 across 159 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 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 69, meaning this bank ranks below its size cohort. Site-wide, Southwind Bank is 10 points below the portfolio average of 70.
Frequently Asked Questions
Southwind Bank has a Bank Health Score of C (60/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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 0.00% and nonperforming loan ratio of 0.87% indicate an average 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 has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. 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 are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.