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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

Intrust Bank National Association

Wichita, Kansas · $6.76B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

7.4%
Equity / assets
12th of 12
73.2%
Loans / deposits
3rd of 12
188.8%
CRE / capital
4th of 12

Intrust Bank National Association is the fourth largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $6.76B in assets at 30 June 2026. Loans are 73.2% of deposits, 3rd of 12 against a median of 90.5%, and equity is 7.4% of assets, the lowest in the cohort. Loans grew +3.6% in the year, 8th of 12, and deposits fell 3.4%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.60% of the book, 6th of 12 against a median of 0.62%; 0.64% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 35.5% of loans, 6th of 12 against a median of 35.8%, and 189% of capital, below the 300% screen, with construction at 44% against the 100% screen.

Return on assets is 1.35%, 5th of 12 against a median of 1.30%, on an efficiency ratio of 59.3%, 7th of 12. Five years ago it was 0.86%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsPlains states banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.7% PN Pathward National Association 12.1% BB Bridgewater Bank 11.7% EB Equity Bank 11.6% CF Choice Financial Group 11.3% AF Alerus Financial N.A. 11.0% GS Great Southern Bank 11.0% SB Southern Bank 10.5% DB Dacotah Bank 9.8% BT Bankers Trust Co. 9.5% FB First Bank 8.4% FI First International Bank & Trust 8.4% IB Intrust Bank National Association 7.4%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.9% EB Equity Bank +50.2% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% DB Dacotah Bank +8.2% FB First Bank +7.8% SB Southern Bank +7.1% BB Bridgewater Bank +6.8% IB Intrust Bank National Association +3.6% BT Bankers Trust Co. +1.5% CF Choice Financial Group +0.4% AF Alerus Financial N.A. -1.3% GS Great Southern Bank -4.9%

SBA 7(a), FY2008 to FY2026

Intrust Bank National Association is the 5th largest 7(a) lender into Kansas of 343, with $114M across 498 loans, 3.6% of everything approved in the state (Live Oak Banking Company leads with $155M). 39 of its 51 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sedgwick, KS$65M2nd of 12811.7%+3.3 pts
Johnson, KS$12M28th of 1851.0%-0.7 pts
Lyon, KS$5M2nd of 1620.6%quiet FY2016
Butler, KS$5M4th of 499.0%+0.5 pts
Benton, AR$4M23rd of 900.9%quiet FY2022
Geary, KS$3M1st of 1823.3%+1.9 pts
El Paso, CO$3M69th of 1640.3%quiet FY2016
Miami, KS$3M2nd of 3810.0%quiet FY2021
Douglas, KS$3M12th of 703.0%+0.6 pts
Riley, KS$2M7th of 364.7%quiet FY2022
Wyandotte, KS$2M20th of 721.2%quiet FY2017
Lafayette, MO$2M7th of 286.7%quiet FY2018
Sumner, KS$2M2nd of 1518.9%-50.0 pts
38 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing78$25M19.0%0.06%254th of 2,246
Accommodation & food services67$15M11.6%0.02%444th of 2,596
Other services57$13M9.6%0.04%318th of 2,248
Retail trade66$12M8.9%0.02%440th of 2,589
Information5$11M8.3%0.27%69th of 958
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and Intrust Bank National Association
LO Live Oak Banking Company 4.8% $155M · 129 loans EB Equity Bank 3.7% $119M · 219 loans FB First Business Bank 3.7% $119M · 183 loans UB U.S. Bank, National Association 3.6% $115M · 503 loans IB Intrust Bank National Association 3.6% $114M · 498 loans UB UMB Bank, National Association 3.3% $105M · 384 loans WF Wells Fargo Bank National Associa… 3.2% $102M · 189 loans OB Oakstar Bank 3.1% $99M · 117 loans EB Emprise Bank 2.9% $94M · 280 loans BB Busey Bank 2.6% $84M · 115 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Intrust Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen189%4th of 12249%
Construction against capital, the 100% screen44%6th of 1248%
Construction and land development, share of loans8.2%8th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans19.4%5th of 1221.0%
Total CRE, the guidance definition, share of loans35.5%6th of 1235.8%
CRE growth over 36 months, the third prong+28.6%7th of 12+27.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bankers Trust Co.$7.83B1.0%58.5%0.31%0.07%1.4%89.7%9.5%
Equity Bank$7.71B1.4%58.5%1.18%0.11%1.2%85.4%11.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Great Southern Bank$5.53B1.3%63.2%0.02%0.04%1.5%100.1%11.0%
Bridgewater Bank$5.38B1.3%51.6%0.49%0.04%1.3%101.3%11.7%
Alerus Financial N.A.$5.28B1.8%63.9%0.26%0.47%1.2%95.8%11.0%
Southern Bank$5.19B1.5%51.2%0.63%0.21%1.2%99.4%10.5%
Dacotah Bank$4.92B1.1%62.2%1.52%0.22%1.2%93.9%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Intrust Bank National AssociationCohort median
20212026Change20212026Change
Loans$3.79B$4.36B+15%$2.94B$4.39B+49%
Deposits$6.38B$5.95B-7%$3.77B$5.29B+40%
NPA / loans0.32%0.60%+0.28 pts0.42%0.62%+0.20 pts
Efficiency60.4%59.3%-1.1 pts59.1%58.9%-0.2 pts
ROA0.86%1.35%+0.49 pts1.56%1.30%-0.26 pts

This read was prepared for Intrust Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Intrust Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.intrustbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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