FDIC Cert #26340 · Eskridge, Kansas · Est. 1985

Flint Hills Bank - FDIC Bank Health Profile

A community-scale look at Flint Hills Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$155M
Total assets
B
Health grade · Good
0.84%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

Flint Hills Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.23% Tier 1, 0.84% ROA, 61% efficiency ratio.

#3,305
largest of 4,313 FDIC banks by assets
23rd
percentile by asset size, nationally
13.23%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 26340 · KS B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2368/4307
  • PHOTO-FINISH Everett Co-operative… · MA
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.84% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Everett Co-operative Bank, MA (±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 Flint Hills Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bankhometown · MA · near77/100Everett Co-operative… · MA ·…77/100Flint Hills Bank · KS · this…77/100OneLocal Bank · MA · near77/100River City Bank, Inc. · KY ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Flint Hills Bank · July 2026

Call Report read for Flint Hills Bank in a high-failure state

Flint Hills Bank (FDIC Cert #26340) carries a PlainBankData health grade of B at 77/100, 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 #2,368 of 4,307. Tier 1 capital prints at 13.23%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.84%. Balance-sheet scale is $155M, 3,305th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Everett Co-operative Bank (MA), 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 Flint Hills Bank

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

Flint Hills 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 Flint Hills 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 Flint Hills Bank's 77/100 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 avg77/10077/100
Flint Hills Bank's composite health score
Tier 1 Capital Ratio (13.23%) 35/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (61.30%) 8/15

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

Balance sheet at a glance

Total Assets

$155M

Total balance-sheet footings

Total Deposits

$139M

Customer-funded liabilities

Net Loans

$80M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.83% 13.23% 14.63%
Basel III capital ratios - Flint Hills Bank

Where Flint Hills Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Flint Hills Bank's score of 77/100 falls in the highlighted band.

Flint Hills Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 45th percentile higher than 45% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Flint Hills 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

Flint Hills 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). Flint Hills Bank's $155M falls in the highlighted band.

Capital & credit buffers at Flint Hills Bank

Tier 1 capital ratio
Well-capitalized 10%

13.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.23%
Texas Ratio
0.00%
Equity Capital
$16M

What these ratios mean →

Profitability metrics: Flint Hills Bank

Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
8.89%
Efficiency Ratio
61.30%

What these mean →

Income & expense at Flint Hills Bank

$7M
Interest Income
$492K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Flint Hills Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Flint Hills Bank 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 ($155M here), outside Kansas so the neighborhood is not state containment.

Bank of Hartington $155M · NE The Citizens National Bank of Woodsfi… $155M · OH GreenLeaf Bank $155M · WI First Southeast Bank $155M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Flint Hills Bank (FDIC Cert #26340) - 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.

Flint Hills 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 →
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%