FDIC Cert #4666 · Fort Leavenworth, Kansas · Est. 1907

Armed Forces Bank, National Association - FDIC Bank Health Profile

A community-scale look at Armed Forces Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
A
Health grade · Excellent
1.47%
Return on assets
22.4%
Tier 1 capital

Data updated July 2026

The verdict

Armed Forces Bank, National Association earns a PlainBankData health grade of A (88/100), with well-capitalized at 22.43% Tier 1, profitable at 1.47% ROA, 68% efficiency ratio.

#780
largest of 4,313 FDIC banks by assets
82nd
percentile by asset size, nationally
22.43%
Tier 1 ratio - above the 10% well-capitalized line
73rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 4666 · KS A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #885/4307
  • PHOTO-FINISH Pony Express Bank · MO
  • TIER1-WELL 22.4% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 1.47% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Pony Express Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Armed Forces Bank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Armed Forces Bank, N… · KS ·…88/100Pony Express Bank · MO · near88/100Range Bank · MI · near88/100The First Farmers Na… · OK ·…88/100The State Bank of Wy… · OK ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Armed Forces Bank · July 2026

Call Report read for Armed Forces Bank in a high-failure state

Armed Forces Bank, National Association (FDIC Cert #4666) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #885 of 4,307. Tier 1 capital prints at 22.43%, clearing the 10% well-capitalized line. The Texas Ratio is 0.59%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.47%. Balance-sheet scale is $1.4B, 780th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Pony Express Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Armed Forces Bank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Armed Forces Bank, National Association sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Armed Forces Bank, National Association's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How Armed Forces Bank, National Association's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Armed Forces Bank, National Association's composite health score
Tier 1 Capital Ratio (22.43%) 40/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (0.59%) 20/20
Efficiency Ratio (67.68%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1.2B

Customer-funded liabilities

Net Loans

$795M

Outstanding loan book

Net Income

$21M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.03% 22.43% 23.83%
Basel III capital ratios - Armed Forces Bank, National Association

Where Armed Forces Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Armed Forces Bank, National Association's score of 88/100 falls in the highlighted band.

Armed Forces Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Armed Forces Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Armed Forces Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Armed Forces Bank, National Association's $1.4B falls in the highlighted band.

Capital & credit buffers at Armed Forces Bank

Tier 1 capital ratio
Well-capitalized 10%

22.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.43%
Texas Ratio
0.59%
Equity Capital
$179M

What these ratios mean →

Earnings posture at Armed Forces Bank

Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
11.46%
Efficiency Ratio
67.68%

What these mean →

Income & expense at Armed Forces Bank

$66M
Interest Income
$46M
Non-Interest Income
$66M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Armed Forces Bank, National Association reports a Texas Ratio of 0.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Armed Forces Bank, National Association on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside Kansas so the neighborhood is not state containment.

Central Bank Illinois $1.4B · IL Deerwood Bank $1.4B · MN Capital Community Bank $1.4B · UT Bankers' Bank $1.4B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Armed Forces Bank, National Association (FDIC Cert #4666) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Armed Forces Bank, National Association Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%