Walton State Bank
Walton, Kansas · FDIC Cert #17982
Walton State Bank is an FDIC-insured bank (Certificate #17982) with $17M in total assets and $14M in total deposits as of the Q2 2024 Call Report. Headquartered in Walton, Kansas, the bank maintains a Tier 1 capital ratio of 53.69% (Well-Capitalized) and a nonperforming loan ratio of 4.05%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Walton State Bank (FDIC cert 17982) is a community bank — $17M in total assets, $14M in deposits, serving the Walton, 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 53.69% 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 elevated: non-performing loan ratio of 4.05% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 50.5% 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 negative: ROA of -0.55% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Walton State Bank carries a composite BankHealth grade of B (66/100) 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: Walton State Bank
- Total Assets
- $17M
- Total Deposits
- $14M
- Tier 1 Capital Ratio
- 53.69%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.05%
- Liquidity Ratio
- 50.52%
- Return on Assets
- -0.55%
- Headquarters
- Walton, Kansas
- FDIC Certificate
- #17982
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Walton State Bank holds a Tier 1 capital ratio of 53.69%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Walton State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Walton State Bank shows strong financial health indicators. With $17M in assets and a Health Score of 66/100, 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 Walton State Bank Compares
Walton State Bank’s Health Score of 66 is 3 points below the Kansas state average of 69 across 159 FDIC-insured banks. Its 53.69% Tier 1 capital ratio is 39.7 points above the US banking industry average near 14%. The 4.05% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.55% is below the national ROA benchmark of ~1.1%. Among 104 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Walton State Bank is 4 points below the portfolio average of 70.
Frequently Asked Questions
Walton State Bank has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 53.69%, 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. Walton State Bank's Tier 1 capital ratio of 53.69% and nonperforming loan ratio of 4.05% 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 Walton State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17982). 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.
Walton State Bank holds $17M in total assets and $14M in total deposits. It is headquartered in Walton, Kansas (FDIC Certificate #17982).
Walton State Bank has a Tier 1 capital ratio of 53.69%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.05%, and the return on assets is -0.55%.
Yes. Walton State Bank is FDIC-insured (Certificate #17982). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Walton State 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.