Total Assets
$2.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$2.2B
Customer-funded liabilities
Net Loans
$2.0B
Outstanding loan book
Net Income
$44M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
13.93%
Efficiency Ratio
39.41%
What the numbers say about KS StateBank
KS StateBank is an FDIC-insured institution (Certificate #19899) headquartered in Manhattan, Kansas, established in 1969. It holds $2.6B in total assets - 483rd of 4,313 FDIC-insured banks, $2.2B in customer deposits, and $2.0B in net loans. Its capital position: a Tier 1 ratio of 12.41%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 12.73% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (91 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
KS StateBank sits 7th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Kansas by total assets
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.
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% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
| Landmark National BankManhattan | $1.6B | B | 1.20% |
Frequently asked questions
What is KS StateBank's health grade?▼
KS StateBank receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is KS StateBank?▼
KS StateBank holds $2.6B in total assets and $2.2B in deposits, ranking 483rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Manhattan, Kansas.
Is my money safe at KS StateBank?▼
Yes, deposits at KS StateBank (Certificate #19899) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is KS StateBank's Tier 1 Capital Ratio?▼
KS StateBank has a Tier 1 Capital Ratio of 12.41%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for KS StateBank?▼
KS StateBank has a Texas Ratio of 12.73%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is KS StateBank?▼
KS StateBank has an Efficiency Ratio of 39.41%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read KS StateBank's profile as a depositor or analyst.
- KS StateBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare KS StateBank 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.