FDIC Cert #15469 · Ransom, Kansas · Est. 1900

The First State Bank of Ransom - FDIC Bank Health Profile

A community-scale look at The First State Bank of Ransom's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$48M
Total assets
B
Health grade · Good
0.65%
Return on assets
34.8%
Tier 1 capital

Data updated July 2026

The verdict

The First State Bank of Ransom earns a PlainBankData health grade of B (78/100), with well-capitalized at 34.80% Tier 1, 0.65% ROA, 72% efficiency ratio.

#4,141
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
34.80%
Tier 1 ratio - above the 10% well-capitalized line
22nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 15469 · KS B · 78/100

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

  • GRADE-B B (78/100)
  • MID-PACK #2280/4307
  • PHOTO-FINISH Security State Bank… · MN
  • TIER1-WELL 34.8% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-THIN 0.65% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Security State Bank of Kenyon, MN (±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 The First State Bank of Ransom

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

Morgan Stanley Bank,… · UT ·…100/100FIRST NATIONAL BANK… · IL · …78/100First State Bank of… · TX · …78/100Security State Bank… · MN · …78/100The First Central Na… · OH ·…78/100The First State Bank… · KS ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First State Bank of Ransom · July 2026

Call Report read for The First State Bank of Ransom in a high-failure state

The First State Bank of Ransom (FDIC Cert #15469) carries a PlainBankData health grade of B at 78/100, 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 #2,280 of 4,307. Tier 1 capital prints at 34.80%, clearing the 10% well-capitalized line. The Texas Ratio is 0.93%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.65%. Balance-sheet scale is $48M, 4,141st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security State Bank of Kenyon (MN), 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 The First State Bank of Ransom

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

The First State Bank of Ransom 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 The First State Bank of Ransom'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 The First State Bank of Ransom's 78/100 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 avg77/10078/100
The First State Bank of Ransom's composite health score
Tier 1 Capital Ratio (34.80%) 40/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (0.93%) 20/20
Efficiency Ratio (71.65%) 4/15

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

Balance sheet at a glance

Total Assets

$48M

Total balance-sheet footings

Total Deposits

$39M

Customer-funded liabilities

Net Loans

$20M

Outstanding loan book

Net Income

$313K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 33.4% 34.8% 36.2%
Basel III capital ratios - The First State Bank of Ransom

Where The First State Bank of Ransom ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First State Bank of Ransom's score of 78/100 falls in the highlighted band.

The First State Bank of Ransom: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 47th percentile higher than 47% 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. The First State Bank of Ransom 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

The First State Bank of Ransom'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). The First State Bank of Ransom's $48M falls in the highlighted band.

Capital & credit buffers at The First State Bank of Ransom

Tier 1 capital ratio
Well-capitalized 10%

34.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
34.80%
Texas Ratio
0.93%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: The First State Bank of Ransom

Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
3.76%
Efficiency Ratio
71.65%

What these mean →

Income & expense at The First State Bank of Ransom

$2M
Interest Income
$145K
Non-Interest Income
$958K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First State Bank of Ransom reports a Texas Ratio of 0.93% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First State Bank of Ransom 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 ($48M here), outside Kansas so the neighborhood is not state containment.

State Bank of Taunton $48M · MN Highland State Bank $48M · WI Farmers and Merchants State Bank of A… $48M · MN Buckley State Bank $49M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First State Bank of Ransom (FDIC Cert #15469) - 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.

The First State Bank of Ransom 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%