Stockgrowers Stb Ashland Ks
Ashland, Kansas · FDIC Cert #17650
This is the FDIC profile for Stockgrowers Stb Ashland Ks, an FDIC-insured bank (Certificate #17650) with $173M in total assets and $129M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Ashland, Kansas, the bank maintains a Tier 1 capital ratio of 12.36% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (88/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Stockgrowers Stb Ashland Ks (FDIC cert 17650) is a community bank — $173M in total assets, $129M in deposits, serving the Ashland, 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 12.36% 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 clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 39.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.89% 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 mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Stockgrowers Stb Ashland Ks carries a composite BankHealth grade of A (88/100) 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: Stockgrowers Stb Ashland Ks
- Total Assets
- $173M
- Total Deposits
- $129M
- Tier 1 Capital Ratio
- 12.36%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 39.22%
- Return on Assets
- 0.89%
- Headquarters
- Ashland, Kansas
- FDIC Certificate
- #17650
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Stockgrowers Stb Ashland Ks files quarterly Call Reports with the FDIC under Certificate #17650. 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.
Track Stockgrowers Stb Ashland Ks
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, Stockgrowers Stb Ashland Ks holds a Tier 1 capital ratio of 12.36%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Stockgrowers Stb Ashland Ks has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Stockgrowers Stb Ashland Ks shows strong financial health indicators. With $173M in assets and a Health Score of 88/100, 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 Stockgrowers Stb Ashland Ks Compares
Stockgrowers Stb Ashland Ks’s Health Score of 88 is 6 points above the Kansas state average of 82 across 159 FDIC-insured banks. Its 12.36% Tier 1 capital ratio is 1.6 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.89% is below the national ROA benchmark of ~1.1%. Among 1456 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Stockgrowers Stb Ashland Ks is 8 points above the portfolio average of 80.
Frequently Asked Questions
Stockgrowers Stb Ashland Ks has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.36%, 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. Stockgrowers Stb Ashland Ks's Tier 1 capital ratio of 12.36% and nonperforming loan ratio of 0.00% 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 Stockgrowers Stb Ashland Ks is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17650). 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.
Stockgrowers Stb Ashland Ks holds $173M in total assets and $129M in total deposits. It is headquartered in Ashland, Kansas (FDIC Certificate #17650).
Stockgrowers Stb Ashland Ks's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #17650 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Stockgrowers Stb Ashland Ks has a Tier 1 capital ratio of 12.36%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.89%.
Yes. Stockgrowers Stb Ashland Ks is FDIC-insured (Certificate #17650). 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%).
Stockgrowers Stb Ashland Ks'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.