SJN Bank of Kansas
Saint John, Kansas, Stafford County
$303M in total assets, the 2,491st largest of 4,309 US banks and 70th of 185 headquartered in Kansas.
- FDIC certificate
- 4766
- Established
- 1905
- Owned by
- Sjn Banc Co
- Primary regulator
- FDIC
- Website
- www.sjnbank.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 | $303M | 58% | $257M | |
| Loans | $189M | 57% | $172M | |
| Deposits | $260M | 59% | $214M | |
| Return on assets | 0.84% | 11% | 1.41% | |
| Net interest margin | 4.43% | 75% | 3.97% | |
| Efficiency ratio | 64.0% | 74% | 58.4% | |
| Equity to assets | 9.10% | 34% | 10.25% | |
| Loans to deposits | 73% | 37% | 78% |
Growth
Total assets grew 6.3% a year over the last 5 years and 11.9% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2025 | The Tampa State Bank Tampa, KS | $61M |
| Apr 2019 | The Nekoma State Bank La Crosse, KS | $41M |
| Jan 2017 | Greensburg State Bank Greensburg, KS | $60M |
Where they operate
8 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Stafford County, KS | $94M | 49.8% | 1 of 3 |
| Marion County, KS | $70M | 18.2% | 2 of 8 |
| Rush County, KS | $43M | 30.9% | 2 of 5 |
| Kiowa County, KS | $41M | 33.8% | 1 of 4 |
| Pawnee County, KS | $11M | 5.8% | 5 of 5 |
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 5 branches since 2016 (3 to 8, +166.7%). 0 opened, 5 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2017 | Acquired Greensburg State Bank | 1 | 0 | +1 | 4 |
| 2019 | Acquired The Nekoma State Bank | 2 | 0 | +2 | 6 |
| 2025 | Acquired The Tampa State Bank | 2 | 0 | +2 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 29% | 11% | |
| Agricultural | 28% | 14% | |
| Farmland | 19% | 17% | |
| 1-4 family residential | 12% | 27% | |
| Commercial real estate | 8% | 17% | |
| Consumer | 2% | 4% | |
| Construction and land | 1% | 5% | |
| Multifamily | 0% | 2% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 46% | |
| Time deposits | 28% | 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 | 6.97% | 0.23% |
| Net charge-offs, annualized | 0.19% | 0.00% |
| Reserves to loans | 2.10% | 1.27% |
| Leverage ratio | 9.24% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Stafford 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/sjn-kansas