Kansas Banks

188 FDIC-insured banks · Average health score 43/100 · 12 failures since 2000

A
5
banks
B
26
banks
C
47
banks
D
38
banks
F
72
banks

Banking in Kansas — What the FDIC Data Shows

Kansas is home to 188 FDIC-insured banks holding a combined $93.3B in total assets and $77.5B in customer deposits. The average PlainBankData health score across all Kansas banks is 43/100, derived from four FDIC Call Report metrics: Tier 1 Capital Ratio, Return on Assets, Texas Ratio, and Efficiency Ratio. The largest institution headquartered in the state is Capitol Federal Savings Bank of Topeka, with $9.8B in assets and a health grade of F.

Looking at the grade distribution, 31 banks (16%) earn an A or B grade — signaling strong capital ratios and healthy profitability — while 47 sit at Grade C (meeting regulatory minimums with some areas to monitor) and 110 (59%) carry a D or F grade, indicating notable financial weaknesses in one or more of the four scoring pillars. Since 2000, Kansas has seen 12 bank failures tracked on the FDIC Failed Bank List. A higher failure count typically correlates with concentrated real-estate lending exposure during the 2008–2010 crisis years.

Not financial advice. These figures are drawn from public FDIC Call Reports and the FDIC Failed Bank List. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or endorsements. A lower grade does not mean your money is at risk — every dollar on deposit at any FDIC-insured bank is protected up to $250,000 per depositor, per ownership category, regardless of the institution's financial condition. For decisions about where to hold deposits or business funds, consult a qualified financial professional and verify figures directly at the FDIC's BankFind Suite.

Bank Assets Grade
Capitol Federal Savings Bank $9.8B F
Intrust Bank, National Association $7.0B C
Equity Bank $6.3B C
Security Bank of Kansas City $3.8B D
Fidelity Bank, National Association $3.3B C
Emprise Bank $2.8B C
KS StateBank $2.6B D
Community National Bank & Trust $2.5B C
Landmark National Bank $1.6B C
Peoples Bank and Trust Company $1.6B C
Armed Forces Bank, National Association $1.4B B
Central National Bank $1.4B F
CoreFirst Bank & Trust $1.3B C
nbkc bank $1.3B B
The First National Bank of Hutchinson $1.3B C
The Bennington State Bank $1.3B B
Bank of Labor $1.1B C
GNBank, National Association $1.0B F
Farmers Bank & Trust $1.0B A
Security State Bank $999M C
Dream First Bank, National Association $918M C
United Bank & Trust $906M F
Community National Bank $891M B
Legacy Bank $826M C
The Western State Bank $825M B
First Option Bank $816M B
Outdoor Bank $661M F
Union State Bank $655M C
Farmers & Merchants Bank of Colby $640M D
The Bank of Tescott $639M F
Exchange Bank & Trust $631M D
The Bank $615M A
First Bank Kansas $594M B
The Peoples Bank $556M B
Mid-America Bank $549M B
Labette Bank $528M F
Citizens Bank of Kansas $528M C
The First State Bank $520M D
Southwest National Bank $513M F
Bank of the Flint Hills $509M C
Cornerstone Bank $501M F
Great American Bank $496M D
Silver Lake Bank $494M F
Bank of Commerce $484M C
First State Bank and Trust $481M D
SOLUTIONS NORTH BANK $472M B
The Denison State Bank $469M D
Bank of the Plains $446M D
The Union State Bank of Everest $437M C
The Citizens State Bank $436M F
Astra Bank $436M C
The Citizens State Bank $430M D
Mutual Savings Association $403M B
Guaranty State Bank and Trust Company $390M F
ESB Financial $381M C
Commercial Bank $377M B
The Farmers State Bank of Oakley, Kansas $374M B
Bank of Hays $370M F
Golden Belt Bank, FSA $365M F
Community First National Bank $362M F
KCB Bank $339M F
The Citizens State Bank $335M D
Goppert State Service Bank $324M F
First National Bank and Trust $324M F
Kaw Valley Bank $322M F
Centera Bank $321M C
SJN Bank of Kansas $315M C
Heritage Bank $311M C
Grant County Bank $309M F
Kaw Valley State Bank and Trust Company $306M D
First Kansas Bank $301M A
First Heritage Bank $297M F
Stryv Bank $291M D
Citizens State Bank and Trust Co., Ellsworth, Kansas $280M F
FNB Bank $274M C
Vintage Bank Kansas $271M D
Patriots Bank $261M C
Fusion Bank $247M D
FirstOak Bank $241M F
The Farmers State Bank of Westmoreland $235M F
Andover State Bank $230M D
The Stockgrowers State Bank of Ashland, Kansas $225M F
The Citizens National Bank $224M C
Farmers and Drovers Bank $220M F
Bankers' Bank of Kansas $214M C
The Lyon County State Bank $214M B
Kendall Bank $213M F
The Kansas State Bank $212M F
Carson Bank $205M C
The Fidelity State Bank and Trust Company $203M A
Union State Bank $202M F
Lyons Federal Bank $199M F
TriCentury Bank $196M D
The Valley State Bank $195M F
American Bank of Baxter Springs $195M F
Halstead Bank $193M B
Community Bank $188M D
Citizens Federal Savings Bank $188M F
The First National Bank of Louisburg $186M F
Home Bank and Trust Company $185M C
The Solomon State Bank $182M D
Southwind Bank $180M F
The Farmers State Bank of Aliceville, Kansas $177M F
Garden Plain State Bank $176M A
The Community Bank $174M B
The Farmers State Bank $170M F
The First National Bank of Scott City $169M D
Farmers National Bank $168M B
Farmers Bank & Trust $168M F
Impact Bank $164M C
The First National Bank in Cimarron $162M C
Flint Hills Bank $155M F
First Bank $152M F
Bank of Prairie Village $150M D
The Bank of Protection $146M D
State Bank of Downs $140M D
The Citizens State Bank $139M F
Elk State Bank $139M C
First Commerce Bank $138M F
The Bendena State Bank $131M B
Conway Bank $131M D
The Stockgrowers State Bank $128M D
Bison State Bank $124M F
The Riley State Bank of Riley, Kansas $123M F
The State Bank of Bern $123M D
Community Bank of Wichita, Inc. $121M C
The First State Bank of Healy $119M F
The Wilson State Bank $119M C
Bank of Commerce and Trust Company $116M C
Home Savings Bank $113M B
First Federal Savings and Loan Bank $109M D
The First Security Bank $107M D
The Baldwin State Bank $106M F
First National Bank in Fredonia $105M F
Citizens State Bank and Trust Company $105M B
The Lyndon State Bank $105M C
The Exchange State Bank of St. Paul, Kansas $104M F
The Kansas State Bank Overbrook Kansas $99M F
First National Bank of Kansas $98M D
Johnson State Bank $94M F
Integrity Bank $93M C
The Stock Exchange Bank, Caldwell, Kansas $90M C
The First National Bank of Hope $90M D
The Citizens State Bank of Cheney, Kansas $88M D
FNB Washington $87M D
The First National Bank of Spearville $86M D
The Howard State Bank, Howard, Kansas $86M B
The Citizens State Bank and Trust Company $85M C
New Century Bank $85M B
The First State Bank $84M C
CBW Bank $83M C
The Farmers State Bank $82M F
The Farmers State Bank $81M F
The First National Bank of Dighton $80M C
Small Business Bank $73M D
Argentine Federal Savings $71M F
Union State Bank $71M C
The Farmers State Bank of Bucklin, Kansas $66M D
Bank of Holyrood $65M B
Vista National Bank & Trust $63M F
First National Bank in Frankfort $62M F
Ford County State Bank $61M F
Elevate Bank, National Association $60M F
Swedish-American State Bank $58M B
Farmers and Merchants Bank of Mound City, Kansas $58M C
The Security State Bank $56M F
The State Exchange Bank $56M F
The City State Bank $54M F
The Farmers State Bank of Blue Mound $53M F
Bank of Greeley $51M F
The First State Bank of Ransom $48M C
Union State Bank $42M B
Farmers State Bank $41M F
NINNESCAH VALLEY BANK $41M F
Cottonwood Valley Bank $37M F
The State Bank of Canton, Canton, Kansas $34M C
The Marion National Bank $33M F
Marquette Farmers State Bank of Marquette $32M F
The Liberty Savings Association, FSA $28M F
The Farmers State Bank $27M C
The Baxter State Bank $24M F
The Peoples State Bank $24M D
The Dickinson County Bank $21M D
The Farmers State Bank $21M F
National Advisors Trust Company $18M B
Prescott State Bank $17M F
The Walton State Bank $11M D
State Bank of Burrton $8M F

How to Read the Kansas Bank Directory

This page lists every FDIC-insured bank with a primary regulatory address in Kansas. Inclusion does not depend on charter type — both state-chartered and nationally-chartered banks appear here when the FDIC institution directory places their headquarters in this state. Branch locations, ATM networks, and credit unions are NOT in scope; this is a headquarters-anchored view. The 188 institutions shown reflect the most recent quarterly FDIC release; counts will change at each refresh as institutions merge, are acquired, or close.

Health Grade Interpretation

Each bank's letter grade (A through F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Grades are relative — every quarter we recompute thresholds against the full FDIC universe, so a "B" today may have been an "A" last cycle if the median improved. Across Kansas, 31 institutions (16%) currently sit in the A or B band, while 110 (59%) fall in the D or F band. The C cluster — the broad middle — typically captures roughly half of any state's banks and is not a warning signal on its own.

What State Concentration Tells You

Banks register their headquarters in Kansas for several distinct reasons: regional community service (the bulk of small community banks), favorable trust law (a handful of states attract large national fiduciary operations), regulatory familiarity, or historic charter inheritance. A high concentration of total assets in a single state — South Dakota, Delaware, and Ohio are well-known examples — usually reflects a few very large institutions choosing the state for tax or regulatory reasons, not breadth of local banking competition. Below the top of the table, the long tail of mid-sized and community banks gives a clearer picture of local market structure.

When Failures Matter

Since 2000, 12 banks headquartered in Kansas have failed. Every depositor at those banks was made whole up to the standard FDIC insurance ceiling (currently $250,000 per depositor, per ownership category, per institution). Bank failures cluster around macro events (the 2008-2010 wave, the regional bank stress of 2023) rather than steady attrition, so a clean recent record at the state level does not imply state-level safety — it usually reflects the absence of a triggering shock. The "Under Stress" ranking is more useful for forward-looking comfort than the historical failure count, because it scores current capital and credit-loss capacity.

Sources, Refresh Cadence, and Corrections

Every figure on this page derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both of which are public-domain government datasets. We re-pull the data on the FDIC's schedule (a quarterly release plus monthly institution-directory delta files for merger and closure events). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by approximately ninety days — this is the FDIC's reporting lag, not ours. If a specific bank record looks wrong (renaming, merger, missing fields), the contact page accepts corrections; we reconcile them against the source feed at the next refresh.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial