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The Baldwin State Bank Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
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.
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| iEditorial Disclosure
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: August 29, 2026

The Baldwin State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not The Baldwin State Bank, and you can see how they compare in the The Baldwin State Bank rate tables below. MonitorBankRates evaluates the financial stability of The Baldwin State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.84%. Database rates last updated and verified on 08/29/2026.

The Baldwin 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 The Baldwin State Bank? Share your experience about The Baldwin State Bank by leaving a review below, or read customer reviews before you decide to use The Baldwin State Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.84%
Excellent Higher than avg
The Baldwin State Bank
721 High St
Baldwin City, KS 66006
https://www.baldwinstatebank.com
Member FDIC

Current Rate Availability

We're not currently displaying rates for The Baldwin State Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with The Baldwin State Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Baldwin 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 The Baldwin 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 The Baldwin State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Baldwin State Bank
FDIC Certificate # 10906
Address 721 High St, Baldwin City, KS 66006  ·  Douglas
Website https://www.baldwinstatebank.com
Established 08/29/1892
FDIC Insurance Date 01/01/1934
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
9.84%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5508%
Return on Equity (ROE) 6.2800%
Non-Performing Loans (NPL) 0.80%
Total Assets $105,839,000
Total Deposits $92,558,000
Equity Capital $11,435,000
Net Income $992,000
Headquarters Baldwin City
Total Branches and Offices 2
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

The Baldwin State Bank earned the Verified Healthy badge

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Customer Reviews

There are no reviews for The Baldwin State Bank yet. Feel free to create one below.
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Frequently Asked Questions About The Baldwin State Bank

How many branches does The Baldwin State Bank operate?

The Baldwin 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, The Baldwin 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, The Baldwin State Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Baldwin State Bank offer online and mobile banking?

Most modern institutions like The Baldwin 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.baldwinstatebank.com.

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