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Johnson State Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Johnson State Bank's 5 Year CD rates are at 3.09%, 4 Year CD rates are at 3.08%, 3 Year CD rates are at 3.07%, 2 Year CD rates are at 3.06%, 1 Year CD rates are at 3.03%. Johnson State Bank's savings rates are at 0.30%. Johnson State Bank's money market rates are at 1.02%. Johnson State Bank's top CD rate of 3.18% APY on a 4 year CD is 12% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Johnson State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.70%. Rates last updated and verified on 11/05/2026.
Johnson State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Johnson State Bank? Share your experience about Johnson State Bank by leaving a review below, or read customer reviews before you decide to use Johnson State Bank.
Johnson State Bank has earned an overall safety grade of A (Excellent, Score: 93/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Johnson State Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
13.70%
ExcellentHigher than avg
Johnson State Bank Texas Ratio
Johnson State Bank's Texas Ratio is 13.70%, which is considered excellent and is higher than the national average of 5.85%.
Johnson State Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.04% to 13.70% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Johnson State Bank CD Rates
Product
Rate
APY
Term
View More
4-Year IRA CD
3.16%
3.18%
4 years
Min Balance$100,000
DetailsBalance: greater than $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.08% → 3.18% ▲ 0.10 pts · high 3.18% / low 3.08%
Oct 20, 20263.18%▲ from 3.08%
Oct 14, 20263.08%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
2-Year IRA CD
3.14%
3.16%
2 years
Min Balance$100,000
DetailsBalance: greater than $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.06% → 3.16% ▲ 0.10 pts · high 3.16% / low 3.06%
Oct 20, 20263.16%▲ from 3.06%
Oct 14, 20263.06%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
3-Year IRA CD
3.15%
3.16%
3 years
Min Balance$100,000
DetailsBalance: greater than $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.07% → 3.16% ▲ 0.09 pts · high 3.16% / low 3.07%
Oct 20, 20263.16%▲ from 3.07%
Oct 14, 20263.07%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
1-Year IRA CD
3.11%
3.13%
1 year
Min Balance$100,000
DetailsBalance: greater than $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.03% → 3.13% ▲ 0.10 pts · high 3.13% / low 3.03%
Oct 20, 20263.13%▲ from 3.03%
Oct 14, 20263.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
4-Year IRA CD
3.11%
3.13%
4 years
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Frequency of Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.03% → 3.13% ▲ 0.10 pts · high 3.13% / low 3.03%
Oct 20, 20263.13%▲ from 3.03%
Oct 14, 20263.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
3-Year IRA CD
3.10%
3.12%
3 years
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Frequency of Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.02% → 3.12% ▲ 0.10 pts · high 3.12% / low 3.02%
Oct 20, 20263.12%▲ from 3.02%
Oct 14, 20263.02%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
2-Year IRA CD
3.09%
3.11%
2 years
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Frequency of Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.01% → 3.11% ▲ 0.10 pts · high 3.11% / low 3.01%
Oct 20, 20263.11%▲ from 3.01%
Oct 14, 20263.01%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
5-Year CD
3.07%
3.09%
5 years
Min Balance$100,000
DetailsBalance: greater than or equal to $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.09% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
1-Year IRA CD
3.06%
3.08%
1 year
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Frequency of Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 2.98% → 3.08% ▲ 0.10 pts · high 3.08% / low 2.98%
Oct 20, 20263.08%▲ from 2.98%
Oct 14, 20262.98%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
18-Month IRA CD
3.06%
3.08%
18 months
Min Balance$100,000
DetailsBalance: greater than $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 2.98% → 3.08% ▲ 0.10 pts · high 3.08% / low 2.98%
Oct 20, 20263.08%▲ from 2.98%
Oct 14, 20262.98%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
4-Year CD
3.06%
3.08%
4 years
Min Balance$100,000
DetailsBalance: greater than or equal to $100,000; Compounding: Semi-annually
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.08% APY · checked 5 times
No change since Sep 7, 2026 · 0.86% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
Money Market Account
0.81%
0.81%
Min Balance$0
DetailsBalance: $0 to $2,499.99; Compounding: Daily; Rate may change at bank's discretion
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.81% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
Johnson State Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Now Account
0.20%
-
0.20%
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99; Compounding: Daily; Rate may change at bank's discretion
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
Now Account
0.25%
-
0.25%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Compounding: Daily; Rate may change at bank's discretion
Last Updated11/05/2026
Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
Now Account
0.25%
-
0.25%
Min Balance$100,000
DetailsBalance: over $100,000.00; Compounding: Daily; Rate may change at bank's discretion
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.70%
Financial Health History
Johnson State Bank’s Texas Ratio rose from 1.04% in Q3 2023 to 13.70% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$97M
13.70%
5.0
A
March 31, 2026
$101M
13.99%
5.0
A
December 31, 2025
$94M
13.89%
5.0
A
September 30, 2025
$89M
18.45%
4.7
B+
June 30, 2025
$88M
19.69%
4.6
B
March 31, 2025
$91M
20.33%
4.6
B
December 31, 2024
$93M
21.33%
4.5
B
September 30, 2024
$92M
24.37%
4.2
B-
June 30, 2024
$94M
27.71%
3.9
C
March 31, 2024
$94M
28.65%
3.9
C
December 31, 2023
$93M
26.47%
4.0
C+
September 30, 2023
$94M
1.04%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Johnson State Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Johnson State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Johnson State Bank's official website for the most current offers and terms.
Address
106 N Main St,
Johnson, KS 67855 · Stanton
Bank Holding CompanyJOHNSON STATE BANCSHARES INC
FDIC Certificate #15237
RegulatorFDIC
EstablishedNovember 14, 1914
FDIC Insurance DateJuly 19, 1935
Domestic Offices2
Total Branches2
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.70%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9329%
Return on Equity (ROE)
7.2000%
Non-Performing Loans Ratio (NPL)
0.05%
Total Assets
$96,596,000
Total Deposits
$80,698,000
Equity Capital
$12,733,000
Net Income
$453,000
Headquarters
Johnson
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Johnson State Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Johnson State Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Johnson State Bank
Frequently Asked Questions About Johnson State Bank
Does Johnson State Bank offer CDs?
Yes. Johnson State Bank current CD rates include its 5 Year CD at 3.09% APY, its 4 Year CD at 3.08% APY and its 3 Year CD at 3.07% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Johnson State Bank FDIC insured?
Yes. Johnson State Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Johnson State Bank?
The highest Johnson State Bank CD rate is its 4 Year IRA Certificates of Deposits at 3.18% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Johnson State Bank offer?
Johnson State Bank CD rates are 3.03% APY for a 12 month CD, 2.93% APY for an 18 month CD, 3.06% APY for a 2 year CD, 3.07% APY for a 3 year CD, 3.08% APY for a 4 year CD and 3.09% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Johnson State Bank for its full lineup.
What is the highest savings rate at Johnson State Bank?
The highest Johnson State Bank savings rate is its Regular Savings Account at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Johnson State Bank?
The highest Johnson State Bank money market rate is its Money Market Account at 1.02% APY, verified by MonitorBankRates as of November 5, 2026.
How many branches does Johnson State Bank operate?
Johnson State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Johnson State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Johnson State Bank provides members with tools to manage their accounts and build a solid financial history.
Does Johnson State Bank offer online and mobile banking?
Most modern institutions like Johnson State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.johnsonstatebank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Johnson State Bank rates compare?
Johnson State Bank's top CD rate of 3.18% APY on a 4 year CD is 12% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. Johnson State Bank's top rates are its 4 years 4 Year IRA Certificates of Deposits at 3.18% APY, its Regular Savings Account at 0.30% APY and its Money Market Account at 1.02% APY, verified by MonitorBankRates on November 5, 2026.
Current Johnson State Bank Rates
12-Month CD2.88%
18-Month CD2.93%
24-Month CD2.91%
36-Month CD2.92%
48-Month CD2.93%
60-Month CD2.94%
Savings0.30%
MMA1.02%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
