FDIC Cert #19899 · Manhattan, Kansas · Est. 1969

KS StateBank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$2.6B
Total assets
A
Health grade · Excellent
1.69%
Return on assets
12.4%
Tier 1 capital

Data updated July 2026

The verdict

KS StateBank earns a PlainBankData health grade of A (91/100), with well-capitalized at 12.41% Tier 1, profitable at 1.69% ROA, efficient (39% cost ratio).

#483
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
12.41%
Tier 1 ratio - above the 10% well-capitalized line
82nd
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.

FDIC Call Report plate

Cert 19899 · KS A · 91/100

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

  • GRADE-A A (91/100)
  • UPPER-Q #749/4307
  • PHOTO-FINISH Northeast Bank · ME
  • TIER1-WELL 12.4% Tier 1
  • TEXAS-CLEAN 12.7% Texas
  • ROA-STRONG 1.69% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Northeast Bank, ME (±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 KS StateBank

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

Morgan Stanley Bank,… · UT ·…100/100BNA Bank · MS · near91/100KS StateBank · KS · this bank91/100Northeast Bank · ME · near91/100Peoples Bank & Trust · IL · …91/100Sundown State Bank · TX · ne…91/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around KS StateBank · July 2026

Call Report read for KS StateBank in a high-failure state

KS StateBank (FDIC Cert #19899) carries a PlainBankData health grade of A at 91/100, 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 #749 of 4,307. Tier 1 capital prints at 12.41%, clearing the 10% well-capitalized line. The Texas Ratio is 12.73%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.69%. Balance-sheet scale is $2.6B, 483rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Northeast Bank (ME), 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 KS StateBank

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

KS StateBank 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 KS StateBank'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 KS StateBank's 91/100 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 avg77/10091/100
KS StateBank's composite health score
Tier 1 Capital Ratio (12.41%) 35/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (12.73%) 16/20
Efficiency Ratio (39.41%) 15/15

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

Balance sheet at a glance

Total Assets

$2.6B

Total balance-sheet footings

Total Deposits

$2.2B

Customer-funded liabilities

Net Loans

$2.0B

Outstanding loan book

Net Income

$44M

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.) 11.01% 12.41% 13.81%
Basel III capital ratios - KS StateBank

Where KS StateBank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. KS StateBank's score of 91/100 falls in the highlighted band.

KS StateBank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

91 Top 17% higher than 83% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. KS StateBank 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

KS StateBank'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). KS StateBank's $2.6B falls in the highlighted band.

Capital & credit buffers at KS StateBank

Tier 1 capital ratio
Well-capitalized 10%

12.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.41%
Texas Ratio
12.73%
Equity Capital
$327M

What these ratios mean →

Earnings posture at KS StateBank

Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
13.93%
Efficiency Ratio
39.41%

What these mean →

Income & expense at KS StateBank

$155M
Interest Income
$3M
Non-Interest Income
$32M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. KS StateBank reports a Texas Ratio of 12.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View KS StateBank 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 ($2.6B here), outside Kansas so the neighborhood is not state containment.

Tradition Capital Bank $2.6B · MN Open Bank $2.7B · CA Orange Bank & Trust Company $2.7B · NY Interaudi Bank $2.6B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) KS StateBank (FDIC Cert #19899) - 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.

KS StateBank 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%
Community National Bank & TrustChanute $2.5B B 0.96%
Landmark National BankManhattan $1.6B B 1.20%