$12.5M
−6.3%y/y
Percentile by value4th percentileby value
FDIC
ASSETWS
The Walton State Bank
Walton, KansasFDIC Cert #17982
STATEEstablished 19071 branch
Holding company: WSB FINANCIAL INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Walton State Bank reported $12.5M in total assets. Deposits declined 7.86% over the prior year.
Return on assets was −0.55%, compared with an asset-peer median of 0.97%. The leverage ratio was 18.60%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Deposit Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$9.55M
−7.9%y/y
Percentile by value11th percentileby value
FDIC
DEP$3.23M
+5.7%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET−0.55%
+110 bpsy/y
Peer standing11th percentile
FDIC
NETINC + ROA113.87%
−3,280 bpsy/y
Peer standing10th percentile
FDIC
NONIX + NIM + NONII + EEFFR18.60%
+482 bpsy/y
Peer standing77th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $11.7M | $10.7M |
| Q3 2021 | $11.7M | $10.7M |
| Q4 2021 | $11.3M | $10.4M |
| Q1 2022 | $12.3M | $11.5M |
| Q2 2022 | $12.5M | $11.6M |
| Q3 2022 | $13.1M | $12.3M |
| Q4 2022 | $11.8M | $11M |
| Q1 2023 | $11.5M | $10.6M |
| Q2 2023 | $11M | $10.1M |
| Q3 2023 | $14M | $11.1M |
| Q4 2023 | $13.4M | $10.4M |
| Q1 2024 | $14.1M | $11.1M |
| Q2 2024 | $17.1M | $14.2M |
| Q3 2024 | $17.5M | $14.4M |
| Q4 2024 | $16.7M | $13.7M |
| Q1 2025 | $13.4M | $10.4M |
| Q2 2025 | $11.8M | $8.77M |
| Q3 2025 | $13.1M | $10.1M |
| Q4 2025 | $10.9M | $7.96M |
| Q1 2026 | $12.5M | $9.55M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $1.29M |
| Investor CRE | $0 |
| Multifamily | $371K |
| Construction | $0 |
| 1–4 family | $421K |
| C&I | $446K |
| Agriculture | $631K |
| Other | $107K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.55%11th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE−2.32%12th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY4.32%70th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR113.87%10th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP−7.86%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET+5.66%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ18.60%77th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.28%84th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC19%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.55%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.70%Median 1.39%90th 2.13%Observations 188
ROE
FDIC
NETINC + ROE−2.32%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.89%Median 12.98%90th 21.21%Observations 188
NIM
FDIC
NIM + NIMY4.32%73rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.86%90th 4.76%Observations 188
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR113.87%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.76%Median 61.16%90th 78.57%Observations 188
Deposits YoY
FDIC
DEP−7.86%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.43%Median +5.17%90th +16.33%Observations 188
Loans YoY
FDIC
LNLSNET+5.66%48th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.66%Median +6.07%90th +21.96%Observations 187
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 2.12%Observations 187
Leverage
FDIC
RBC1AAJ18.60%91st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.85%90th 17.67%Observations 188
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.28%95th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.29%90th 3.27%Observations 188
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC19%19th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 3%Median 83%90th 246%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.55%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.19%Median 1.25%90th 1.99%Observations 48
ROE
FDIC
NETINC + ROE−2.32%6th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.12%Median 10.82%90th 18.23%Observations 48
NIM
FDIC
NIM + NIMY4.32%72nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.77%90th 5.23%Observations 48
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR113.87%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.35%Median 64.59%90th 91.95%Observations 48
Deposits YoY
FDIC
DEP−7.86%4th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.41%Median +5.16%90th +14.29%Observations 48
Loans YoY
FDIC
LNLSNET+5.66%43rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.61%Median +6.41%90th +23.41%Observations 47
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.50%90th 2.77%Observations 47
Leverage
FDIC
RBC1AAJ18.60%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.62%Median 12.65%90th 20.82%Observations 48
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.28%85th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.24%Median 2.08%90th 3.48%Observations 48
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC19%55th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 16%90th 98%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Walton, KS
FDIC
OFFDOMOpen the Kansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data