Stock Exc Bk Caldwell Ks
Caldwell, Kansas · FDIC Cert #15784
Stock Exc Bk Caldwell Ks is an FDIC-insured bank (Certificate #15784) with $82M in total assets and $76M in total deposits as of the Q2 2024 Call Report. Headquartered in Caldwell, Kansas, the bank maintains a Tier 1 capital ratio of 12.62% (Well-Capitalized) and a nonperforming loan ratio of 1.94%. BankHealthData assigns a composite Health Grade of C (61/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Stock Exc Bk Caldwell Ks (FDIC cert 15784) is a community bank — $82M in total assets, $76M in deposits, serving the Caldwell, 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 strong: Tier 1 capital ratio of 12.62% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.94% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Stock Exc Bk Caldwell Ks carries a composite BankHealth grade of C (61/100) 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: Stock Exc Bk Caldwell Ks
- Total Assets
- $82M
- Total Deposits
- $76M
- Tier 1 Capital Ratio
- 12.62%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.94%
- Liquidity Ratio
- 12.76%
- Return on Assets
- 1.12%
- Headquarters
- Caldwell, Kansas
- FDIC Certificate
- #15784
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Stock Exc Bk Caldwell Ks holds a Tier 1 capital ratio of 12.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Stock Exc Bk Caldwell Ks has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Stock Exc Bk Caldwell Ks shows average financial health. While not alarming, its Health Score of 61/100 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 Stock Exc Bk Caldwell Ks Compares
Stock Exc Bk Caldwell Ks’s Health Score of 61 is 8 points below the Kansas state average of 69 across 159 FDIC-insured banks. Its 12.62% Tier 1 capital ratio is 1.4 points below the US banking industry average near 14%. The 1.94% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 928 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Stock Exc Bk Caldwell Ks is 9 points below the portfolio average of 70.
Frequently Asked Questions
Stock Exc Bk Caldwell Ks has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.62%, 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. Stock Exc Bk Caldwell Ks's Tier 1 capital ratio of 12.62% and nonperforming loan ratio of 1.94% 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 Stock Exc Bk Caldwell Ks is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15784). 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.
Stock Exc Bk Caldwell Ks holds $82M in total assets and $76M in total deposits. It is headquartered in Caldwell, Kansas (FDIC Certificate #15784).
Stock Exc Bk Caldwell Ks has a Tier 1 capital ratio of 12.62%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.94%, and the return on assets is 1.12%.
Yes. Stock Exc Bk Caldwell Ks is FDIC-insured (Certificate #15784). 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%).
Stock Exc Bk Caldwell Ks'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.