Total Assets
$131M
Total balance-sheet footings
FDIC Cert #4649 · Conway Springs, Kansas · Est. 1886
Conway Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $131M
- Total assets
- D
- Health grade · Weak
- 0.36%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Conway Bank earns a PlainBankData health grade of D (43/100), with well-capitalized at 11.46% Tier 1, 0.36% ROA, 78% efficiency ratio.
- #3,512
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 11.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 4649 · KS D · 43/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-D D (43/100)
- BOTTOM-DECILE #4223/4307
- PHOTO-FINISH MidAmerica National… · IL
- TIER1-WELL 11.5% Tier 1
- TEXAS-HEALTHY 34.5% Texas
- ROA-THIN 0.36% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kansas: MidAmerica National Bank, IL (±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 Conway Bank
Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.
Call Report read for Conway Bank in a high-failure state
Conway Bank (FDIC Cert #4649) carries a PlainBankData health grade of D at 43/100, 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 #4,223 of 4,307. Tier 1 capital prints at 11.46%, clearing the 10% well-capitalized line. The Texas Ratio is 34.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.36%. Balance-sheet scale is $131M, 3,512th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is MidAmerica National Bank (IL), 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 Conway Bank
12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus
Conway Bank 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 Conway Bank'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 Conway Bank's 43/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.46%) 28/40
Return on Assets (ROA) (0.36%) 7/25
Texas Ratio (34.50%) 4/20
Efficiency Ratio (78.34%) 4/15
43 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$114M
Customer-funded liabilities
Net Loans
$94M
Outstanding loan book
Net Income
$433K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Conway Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Conway Bank's score of 43/100 falls in the highlighted band.
Conway Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
43 2nd percentile higher than 2% of 4,307 FDIC-insured banks
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
Conway Bank'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). Conway Bank's $131M falls in the highlighted band.
Capital & credit buffers at Conway Bank
Tier 1 capital ratio
Well-capitalized 10%
11.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.46%
Texas Ratio
34.50%
Equity Capital
$9M
Profitability metrics: Conway Bank
Return on Assets (ROA)
11th percentile nationally
0.36%
Return on Equity (ROE)
4.71%
Efficiency Ratio
78.34%
Income & expense at Conway Bank
$8M
Interest Income
$379K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Conway Bank reports a Texas Ratio of 34.50% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
34.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Conway Bank
Conway Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Conway Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Kansas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($131M here), outside Kansas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Conway Bank (FDIC Cert #4649) - 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.
Conway Bank 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 →| 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% |