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

KS Statebank

Manhattan, Kansas · $2.60B in assets · beside the 11 other Kansas banks between $1B and $3B

The filing

94.6%
Loans / deposits
12th of 12
38.8%
Efficiency
1st of 12
13.2%
Equity / assets
2nd of 12

KS Statebank is the second largest of the 12 Kansas banks nearest its size between $1B and $3B, with $2.60B in assets at 30 June 2026. Loans are 94.6% of deposits, the highest in the cohort against a median of 79.0%, and equity is 13.2% of assets, 2nd of 12. Loans grew +0.7% in the year, 9th of 12, and deposits fell 2.7%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 2.49% of the book, 11th of 12 against a median of 0.86%; 1.22% is 30 to 89 days past due, and the allowance covers them 0.8 times. Commercial real estate is 22.4% of loans, 4th of 12 against a median of 31.5%, and 136% of capital, below the 300% screen, with construction at 23% against the 100% screen.

Return on assets is 1.96%, 3rd of 12 against a median of 1.48%, on an efficiency ratio of 38.8%, the lowest in the cohort. Five years ago it was 2.24%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsKS banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 79.0% Bo Bank of Labor 35.1% AF Armed Forces Bank N.A. 60.3% CN Central National Bank 66.7% BS Bennington State Bank 73.6% CN Community National Bank & Trust 76.8% PB Peoples Bank & Trust Co. 77.0% EB Emprise Bank 80.9% CB Corefirst Bank & Trust 83.9% LN Landmark National Bank 84.3% FN First National Bank of Hutchinson 85.2% NB NBKC Bank 91.0% KS KS Statebank 94.6%
Loans, year over yearKS banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.8% BS Bennington State Bank +15.6% CN Community National Bank & Trust +11.1% NB NBKC Bank +10.1% EB Emprise Bank +8.3% Bo Bank of Labor +7.0% CB Corefirst Bank & Trust +6.3% PB Peoples Bank & Trust Co. +3.4% CN Central National Bank +3.1% KS KS Statebank +0.7% FN First National Bank of Hutchinson -0.2% LN Landmark National Bank -1.4% AF Armed Forces Bank N.A. -5.5%

SBA 7(a), FY2008 to FY2026

KS Statebank is the 62nd largest 7(a) lender into Kansas of 343, with $12M across 18 loans, 0.4% of everything approved in the state (Live Oak Banking Company leads with $155M). 7 of its 8 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$6M21st of 1281.0%quiet FY2016
Riley, KS$2M9th of 363.6%quiet FY2013
Sumner, KS$2M3rd of 1516.2%quiet FY2011
Reno, KS$1M14th of 312.8%quiet FY2014
Butler, KS$928K16th of 491.7%quiet FY2016
Maricopa, AZ$899K222nd of 3030.0%quiet FY2011
Geary, KS$328K11th of 182.2%quiet FY2008
Pottawatomie, KS$200K14th of 220.9%thin
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
Manufacturing2$4M33.5%0.01%766th of 2,246
Real estate & leasing3$4M29.4%0.03%398th of 1,452
Professional & technical services5$1M11.5%0.00%855th of 1,955
Accommodation & food services5$1M9.9%0.00%1485th of 2,596
Administrative & waste services3$1M9.7%0.01%728th of 1,763
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and KS Statebank
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 KS KS Statebank 0.4% $12M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, KS Statebank among them; owner-occupied excluded; bold marks a screen met
KS StatebankRankCohort median
Total CRE against capital, the 300% screen136%6th of 12142%
Construction against capital, the 100% screen23%3rd of 1242%
Construction and land development, share of loans3.8%3rd of 126.8%
Non-owner-occupied nonfarm nonresidential, share of loans14.3%5th of 1217.2%
Total CRE, the guidance definition, share of loans22.4%4th of 1231.5%
CRE growth over 36 months, the third prong-2.4%3rd of 12+18.4%

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
Emprise Bank$2.82B1.6%61.1%0.37%0.08%1.2%80.9%7.5%
KS Statebank$2.60B2.0%38.8%2.49%0.03%1.9%94.6%13.2%
Community National Bank & Trust$2.53B1.1%63.8%0.80%0.05%1.2%76.8%8.9%
Landmark National Bank$1.60B1.3%62.3%1.18%0.14%1.1%84.3%11.6%
Peoples Bank & Trust Co.$1.59B0.8%54.9%0.92%0.61%1.7%77.0%9.4%
Armed Forces Bank N.A.$1.42B1.7%65.6%1.21%0.42%1.6%60.3%12.9%
Bennington State Bank$1.42B2.4%43.0%0.29%0.01%2.0%73.6%9.2%
Central National Bank$1.39B1.3%63.9%0.01%0.15%1.8%66.7%10.1%
Corefirst Bank & Trust$1.26B1.6%64.3%0.21%0.09%1.0%83.9%6.1%
NBKC Bank$1.24B2.2%77.2%1.45%0.04%1.3%91.0%16.8%
First National Bank of Hutchinson$1.21B1.4%60.4%0.33%0.05%1.4%85.2%10.6%
Bank of Labor$1.11B0.9%69.3%3.15%-0.01%1.4%35.1%4.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
KS StatebankCohort median
20212026Change20212026Change
Loans$1.80B$2.05B+14%$596M$909M+52%
Deposits$2.03B$2.17B+7%$978M$1.22B+25%
NPA / loans0.39%2.49%+2.11 pts0.75%0.86%+0.11 pts
Efficiency47.7%38.8%-8.9 pts65.4%63.1%-2.3 pts
ROA2.24%1.96%-0.28 pts1.36%1.48%+0.12 pts

This read was prepared for KS Statebank'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 KS Statebank 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 KS banks $1B to $3B
Institution ksstate.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state 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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