Total Assets
$446M
Total balance-sheet footings
FDIC Cert #18118 · Plains, Kansas · Est. 1906
Bank of the Plains - FDIC Bank Health Profile
A community-scale look at Bank of the Plains's own numbers, pulled straight from its quarterly FDIC Call Report.
- $446M
- Total assets
- B
- Health grade · Good
- 0.68%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of the Plains earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.65% Tier 1, 0.68% ROA, 71% efficiency ratio.
- #1,935
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 11.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of the Plains's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of the Plains's composite health score
Tier 1 Capital Ratio (11.65%) 28/40
Return on Assets (ROA) (0.68%) 14/25
Texas Ratio (3.32%) 20/20
Efficiency Ratio (71.39%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$389M
Customer-funded liabilities
Net Loans
$318M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of the Plains ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of the Plains's score of 66/100 falls in the highlighted band.
Bank of the Plains'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). Bank of the Plains's $446M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.65%
Texas Ratio
3.32%
Equity Capital
$44M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.68%
Return on Equity (ROE)
7.24%
Efficiency Ratio
71.39%
What the numbers say about Bank of the Plains
Bank of the Plains is an FDIC-insured institution (Certificate #18118) headquartered in Plains, Kansas, established in 1906. It holds $446M in total assets - 1,935th of 4,313 FDIC-insured banks, $389M in customer deposits, and $318M in net loans. Looking at capital strength, Tier 1 stands at 11.65%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.32%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Bank of the Plains ranks 48th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$25M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of the Plains reports a Texas Ratio of 3.32% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.32% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of the Plains (FDIC Cert #18118) - 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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of the Plains's health grade?▼
Bank of the Plains receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of the Plains?▼
Bank of the Plains holds $446M in total assets and $389M in deposits, ranking 1,935th of 4,313 FDIC-insured banks by asset size. It is headquartered in Plains, Kansas.
Is my money safe at Bank of the Plains?▼
Yes, deposits at Bank of the Plains (Certificate #18118) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of the Plains's Tier 1 Capital Ratio?▼
Bank of the Plains has a Tier 1 Capital Ratio of 11.65%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of the Plains?▼
Bank of the Plains has a Texas Ratio of 3.32%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of the Plains?▼
Bank of the Plains has an Efficiency Ratio of 71.39%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of the Plains's profile as a depositor or analyst.
- Bank of the Plains's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of the Plains against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.