The Bank
Oberlin, Kansas, Decatur County
$617M in total assets, the 1,557th largest of 4,309 US banks and 33rd of 185 headquartered in Kansas.
- FDIC certificate
- 26522
- Established
- 1985
- Owned by
- Decatur Investment Inc
- Primary regulator
- FDIC
- Website
- www.thebankks.com
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $617M | 90% | $257M | |
| Loans | $378M | 85% | $172M | |
| Deposits | $541M | 91% | $214M | |
| Return on assets | 2.39% | 97% | 1.39% | |
| Net interest margin | 4.49% | 83% | 3.97% | |
| Efficiency ratio | 37.9% | 3% | 58.7% | |
| Equity to assets | 12.18% | 77% | 10.24% | |
| Loans to deposits | 70% | 34% | 78% |
Growth
Total assets grew 9.2% a year over the last 5 years and 5.9% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2025 | BANKWEST OF KANSAS Goodland, KS | $134M |
| Jun 2023 | The Gorham State Bank Gorham, KS | $43M |
| Aug 2014 | The Citizens State Bank Grainfield, KS | $11M |
| Jan 1995 | State Bank of Atwood Atwood, KS, an affiliate under the same holding company | $20M |
| Jan 1995 | Selden State Bank Selden, KS | $8M |
| Jan 1991 | The Bank Oakley, KS | $18M |
| Jan 1990 | Peoples Heritage Savings, A Federal Savings and Loan Association Salina, KS | $1.2B |
| Apr 1988 | Jennings Bank Jennings, KS | $7M |
| Nov 1985 | Decatur County National Bank of Oberlin Oberlin, KS | $18M |
Where they operate
14 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sherman County, KS | $92M | 29.2% | 2 of 4 |
| Gove County, KS | $75M | 50.2% | 1 of 2 |
| Rawlins County, KS | $59M | 28.8% | 2 of 4 |
| Logan County, KS | $58M | 18.5% | 2 of 3 |
| Cheyenne County, KS | $57M | 38.9% | 1 of 3 |
| Thomas County, KS | $56M | 8.3% | 3 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (11 to 14, +27.3%). 0 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2023 | Acquired The Gorham State Bank | 2 | 0 | +2 | 13 |
| 2025 | Acquired BANKWEST OF KANSASClosed Jennings | 2 | 1 | +1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 51% | 17% | |
| Agricultural | 24% | 14% | |
| Business (C&I) | 8% | 11% | |
| 1-4 family residential | 6% | 27% | |
| Commercial real estate | 5% | 17% | |
| Consumer | 1% | 4% | |
| Construction and land | 0% | 5% | |
| Multifamily | 0% | 2% | |
| Other | 3% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 46% | |
| Time deposits | 26% | 34% | |
| Noninterest-bearing | 21% | 20% |
Brokered deposits are 0.0% of deposits (peers 3.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.96% | 0.23% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.93% | 1.27% |
| Leverage ratio | 11.46% | 10.53% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Sherman County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-oberlin-ks