The catalogue › United States › Plains › Kansas
The state note · prepared 7 September 2026

Kansas

185 banks and 62 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

185 banks filing · read from the 30 June 2026 Call Report
185
banks filing
$95.1B in assets
+5.7%
Loans, year over year
median; 60 above 10%, 46 shrinking
11.4%
CRE / loans
median
75.4%
Loans / deposits
median
0.32%
NPA / loans
median
10.6%
Equity / assets
median

Kansas's 185 banks hold $95.1B in assets at 30 June 2026. Capitol Federal Savings Bank is the largest at $9.7B, and the five largest hold 33% of the total; 20 institutions are above $1B, holding $54.6B.

Loans grew a median +5.7% in the year to 30 June 2026: 60 institutions grew faster than 10% and 46 shrank. The median bank lends 75% of its deposits and holds commercial real estate at 11.4% of loans. Nonperforming loans sit at a median 0.32% of the book, return on assets at 1.41%, and equity at 10.6% of assets.

8 of the 185 are in the catalogue, each read from its own filing beside the banks its size in the state: Capitol Federal Savings Bank, Equity Bank, Intrust Bank National Association, Emprise Bank, KS Statebank, Community National Bank & Trust, Dream First Bank N.A., United Bank & Trust.

Who holds the state's assetseach institution's share of the $95.1B the state's 185 hold; the largest first, amber in the catalogue
Capitol Federal Savings Bank: 10.2%CF10%Equity Bank: 8.1%EB8%Intrust Bank National Association: 7.1%IBSecurity Bank of Kansas City: 4.1%SBFidelity Bank National Association: 3.5%FBEmprise Bank: 3.0%KS Statebank: 2.7%Community National Bank & Trust: 2.7%Landmark National Bank: 1.7%Peoples Bank & Trust Co.: 1.7%175 others 55%CFCapitol Federal Savin…10.2%EBEquity Bank8.1%IBIntrust Bank National…7.1%SBSecurity Bank of Kans…4.1%FBFidelity Bank Nationa…3.5%EBEmprise Bank3.0%KSKS Statebank2.7%CNCommunity National Ba…2.7%LNLandmark National Bank1.7%PBPeoples Bank & Trust …1.7%

Capitol Federal Savings Bank holds 10.2% of the state's bank assets; the five largest hold 33%, and 20 of the 185 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestCapitol Federal Savings B…: 10% of the totalThe five largest33% of the totalThe ten largest45% of the totalGINI0.70 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 33% of the assets in 3% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end26.6%$17.1BNonfarm nonresidential, non-owner-occupied16.0%$10.3BCommercial & industrial13.0%$8.4BFarmland9.6%$6.2BNonfarm nonresidential, owner-occupied9.6%$6.2BAgricultural production7.6%$4.9BConstruction & land6.7%$4.3BMultifamily4.2%$2.7BHome equity lines2.2%$1.4BAuto1.5%$996MOther loans and leases1.3%$861MConsumer, other0.9%$604MStates & municipalities0.6%$368MCredit card0.1%$46M

1-4 family residential, closed-end is the largest category at 26.6% of the state's $64.4B in loans, then Nonfarm nonresidential, non-owner-occupied at 16.0% and Commercial & industrial at 13.0%.

Loans, year over yearKansas banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 184 · amber, in the catalogue
state median +5.7% FS First Security Bank +128.2% HB Heritage Bank +70.7% Bo Bank of Protection +69.5% EB Equity Bank +50.2% VN Ventura National Bank & Trust +44.2% BS Bison State Bank +38.4% MN Marion National Bank +38.3% FS Farmers State Bank of Blue Mound +35.7% CB CBW Bank +31.1% EB Elevate Bank National Association +30.9% SB Stryv Bank +28.3% PS Peoples State Bank +25.9% KV Kaw Valley State Bank & Trust Co. +25.4% FS Farmers State Bank of Oakley Kans… +22.8% BS Bendena State Bank +22.7% SB State Bank of Canton Canton Kansas +22.3% BB Bankers Bank of Kansas +22.2% FH First Heritage Bank +22.2% CS Citizens State Bank of Cheney Kan… +19.5% FN First National Bank of Louisburg +18.8% SB SJN Bank of Kansas +17.6% SS Stockgrowers State Bank Ashland K… +17.4% CN Citizens National Bank +16.7% ES Exchange State Bank +15.9% MB Mid-america Bank +15.9%

First Security Bank grew fastest at +128.2%; 60 grew faster than 10% and 46 shrank, First State Bank of Healy the most at -13.9%. The median is +5.7%.

Commercial real estate, share of loansKansas banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 184 · amber, in the catalogue
state median 11.4% SB Security Bank of Kansas City 73.0% EB Elevate Bank National Association 55.6% NC New Century Bank 51.2% BS Bison State Bank 49.8% CB Cornerstone Bank 49.5% LB Legacy Bank 47.4% FS First State Bank & Trust 46.8% TB Tricentury Bank 45.0% EB Emprise Bank 44.9% FB Fidelity Bank National Association 44.5% SB Stryv Bank 41.3% FB Farmers Bank & Trust 40.2% FN First National Bank of Hutchinson 40.1% Bo Bank of Prairie Village 40.1% GA Great American Bank 39.0% FB Fusion Bank 38.8% KV Kaw Valley Bank 38.6% GP Garden Plain State Bank 37.6% CB Corefirst Bank & Trust 37.1% NB NBKC Bank 36.6% EB Equity Bank 36.5% MS Mutual Savings Association 36.3% IB Impact Bank 35.5% IB Intrust Bank National Association 35.5% KB Kendall Bank 34.8%

Security Bank of Kansas City is the most CRE-weighted at 73.0% of loans; 14 of the 185 are above 40%, against a median of 11.4%.

Commercial real estate against capital, the 300% screenKansas banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 185 · amber, in the catalogue
state median 60% 300% screen CB Cornerstone Bank 487% BS Bison State Bank 391% EB Emprise Bank 380% SB Stryv Bank 372% TB Tricentury Bank 352% EB Elevate Bank National Association 351% NC New Century Bank 324% FB Fidelity Bank National Association 323% FS First State Bank & Trust 321% LB Legacy Bank 320% SB Security Bank of Kansas City 310% GA Great American Bank 308% KB Kendall Bank 304% Bo Bank of Prairie Village 291% CB Corefirst Bank & Trust 274% AS Andover State Bank 270% KV Kaw Valley Bank 266% OB Outdoor Bank 266% CB Carson Bank 246% EB Equity Bank 237% FN First National Bank of Hutchinson 232% LC Lyon County State Bank 225% CF Community First National Bank 223% FO First Option Bank 215% MB Mid-america Bank 205%

13 of the 185 banks sit above the 300% screen, Cornerstone Bank the highest at 487% of capital; the median is 60%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenKansas banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 185 · amber, in the catalogue
state median 13% 100% screen NC New Century Bank 292% LB Legacy Bank 141% MB Mid-america Bank 131% SB Stryv Bank 119% FN First National Bank of Louisburg 107% CB Community Bank of Wichita Inc 102% SL Silver Lake Bank 100% Bo Bank of Prairie Village 92% GA Great American Bank 91% FO First Option Bank 86% EB Equity Bank 86% US Union State Bank 83% Bo Bank of the Plains 80% KV Kaw Valley Bank 79% OB Outdoor Bank 77% FM Farmers & Merchants Bank Colby 76% HB Halstead Bank 73% MS Mutual Savings Association 72% SB Security Bank of Kansas City 69% EB Emprise Bank 69% CB Carson Bank 67% PB Peoples Bank & Trust Co. 67% CS Citizens State Bank of Cheney Kan… 66% AF Argentine Federal Savings 64% GP Garden Plain State Bank 62%

7 of the 185 banks sit above the 100% construction screen, New Century Bank the highest at 292%; the median is 13%.

Loans to depositsKansas banks, 30 June 2026 · listed highest first · the 25 highest of 185 · amber, in the catalogue
state median 75% CB Cornerstone Bank 146% BB Bankers Bank of Kansas 133% TB Tricentury Bank 132% PS Peoples State Bank 119% CF Capitol Federal Savings Bank 118% LS Lyndon State Bank 115% VN Ventura National Bank & Trust 112% NC New Century Bank 110% MS Mutual Savings Association 108% SN Southwest National Bank 107% SS Security State Bank 105% GA Great American Bank 103% FS Farmers State Bank of Blue Mound 102% FB Fidelity Bank National Association 100% MB Mid-america Bank 100% BS Bison State Bank 100% KV Kaw Valley Bank 99% GB Golden Belt Bank Fsa 98% CS Citizens State Bank & Trust Co. 98% SB Stryv Bank 97% SS Solomon State Bank 95% KB Kendall Bank 95% KS KS Statebank 95% FF First Federal S & L Bank 95% LB Legacy Bank 94%

16 of the 185 lend more than they hold in deposits, Cornerstone Bank the furthest at 146%; the median is 75%.

Nonperforming loans, share of loansKansas banks, 30 June 2026 · listed highest first · the 25 highest of 184 · amber, in the catalogue
state median 0.32% FB First Bank 7.82% SB SJN Bank of Kansas 6.97% FS Farmers State Bank 6.76% MF Marquette Farmers State Bank Marq… 5.22% FN First National Bank of Spearville 4.06% FB FNB Bank 4.03% OB Outdoor Bank 3.83% NV Ninnescah Valley Bank 3.54% KB Kendall Bank 3.54% TB The Bank 3.45% Bo Bank of Labor 3.15% WS Western State Bank 3.04% Bo Bank of Holyrood 2.92% SB State Bank of Burrton 2.53% KS KS Statebank 2.49% FN First National Bank of Dighton 2.39% AF Argentine Federal Savings 2.11% DC Dickinson County Bank 2.09% GC Grant County Bank 2.07% FS Farmers State Bank of Westmoreland 2.03% FS First Security Bank 2.00% FN First National Bank & Trust 1.87% DF Dream First Bank N.A. 1.86% SE State Exchange Bank 1.85% GS Goppert State Service Bank 1.74%

First Bank carries the most nonperforming loans at 7.82% of the book; 49 of the 185 are above 1%, and the median is 0.32%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%1.00%2.00%3.00%4.00%NPA / loansAllowance / loansCVCottonwood Valley Bank+4.57%USUnion State Bank+3.91%JSJohnson State Bank+3.76%SSSolomon State Bank+3.66%FSFidelity State Bank & Trust Co.+2.71%FSFirst State Bank+2.36%FNFirst National Bank in Fredonia+2.34%KSKansas State Bank Overbrook Kansas+2.14%FWFNB Washington+2.05%CNCentral National Bank+1.81%FSFirst State Bank+1.80%FSFarmers State Bank of Bucklin Kan…+1.75%BSBennington State Bank+1.69%CNCitizens National Bank+1.57%SSSecurity State Bank+1.56%SBSecurity Bank of Kansas City+1.56%FSFirst State Bank of Ransom+1.55%FKFirst Kansas Bank+1.54%SNSolutions North Bank+1.52%ABAmerican Bank Baxter Springs+1.51%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 33 of the 185 hold an allowance smaller than their nonperforming loans.

Return on assetsKansas banks, 30 June 2026 · listed highest first · the 25 highest of 185 · amber, in the catalogue
state median 1.41% NA National Advisors Trust Co. 20.57% FB First Bank Kansas 3.79% FF First Federal S & L Bank 3.32% PB Peoples Bank 3.03% GA Great American Bank 2.92% PS Peoples State Bank 2.86% US Union State Bank 2.78% FB Farmers Bank & Trust 2.56% SS Stockgrowers State Bank 2.54% TB The Bank 2.48% HS Howard State Bank Howard Kansas 2.37% BS Bennington State Bank 2.36% CS Citizens State Bank of Cheney Kan… 2.34% SS Solomon State Bank 2.28% NB NBKC Bank 2.22% FS Fidelity State Bank & Trust Co. 2.20% NC New Century Bank 2.20% KV Kaw Valley State Bank & Trust Co. 2.20% CB Community Bank 2.18% HB Home Bank & Trust Co. 2.14% CS Citizens State Bank & Trust Co. 2.12% FN First National Bank in Cimarron 2.11% CS Citizens State Bank 2.10% DS Denison State Bank 1.97% KS KS Statebank 1.96%

National Advisors Trust Co. earns the most at 20.57% and Ventura National Bank & Trust the least at -0.48%; 6 of the 185 earn under 0.50%, and the median is 1.41%.

The efficiency ratio, with the return beside itKansas banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 185 · amber, in the catalogue
state median 59.3% FF First Federal S & L Bank 27.8% ROA 3.32% GP Garden Plain State Bank 37.5% ROA 1.89% CS Citizens State Bank 37.7% ROA 2.10% KS KS Statebank 38.8% ROA 1.96% GA Great American Bank 39.6% ROA 2.92% SS Stockgrowers State Bank 41.2% ROA 2.54% TB Tricentury Bank 42.5% ROA 1.64% FM Farmers & Merchants Bank Colby 42.9% ROA 1.67% BS Bennington State Bank 43.0% ROA 2.36% CB Community Bank 43.2% ROA 2.18% WS Western State Bank 43.3% ROA 1.44% PB Peoples Bank 43.7% ROA 3.03% FN First National Bank of Spearville 44.1% ROA 1.55% FS Fidelity State Bank & Trust Co. 44.6% ROA 2.20% SB State Bank of Bern 44.6% ROA 1.54% TB The Bank 44.8% ROA 2.48% FB Farmers Bank & Trust 45.2% ROA 2.56% SS Solomon State Bank 45.3% ROA 2.28% FS Farmers State Bank of Bucklin Kan… 45.5% ROA 1.62% KV Kaw Valley State Bank & Trust Co. 46.4% ROA 2.20% KS Kansas State Bank Overbrook Kansas 46.6% ROA 1.35% CS Citizens State Bank 47.0% ROA 1.78% FS Farmers State Bank of Aliceville … 47.3% ROA 1.62% FN First National Bank of Scott City 48.2% ROA 1.69% SB Security Bank of Kansas City 48.4% ROA 1.50%

First Federal S & L Bank runs the leanest at 27.8% of revenue in cost; 10 of the 185 spend more than 80 cents of every revenue dollar, and the median is 59.3%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Capitol Federal Savings Bank$9.7B+1.8%23.1%118%0.62%0.90%10.1%
Equity Bank$7.7B+50.2%36.5%85%1.18%1.35%11.6%
Intrust Bank National Association$6.8B+3.6%35.5%73%0.60%1.35%7.4%
Security Bank of Kansas City$3.9B+5.2%73.0%66%0.03%1.50%11.5%
Fidelity Bank National Association$3.3B+2.2%44.5%100%0.75%1.19%9.8%
Emprise Bank$2.8B+8.3%44.9%81%0.37%1.55%7.5%
KS Statebank$2.6B+0.7%22.4%95%2.49%1.96%13.2%
Community National Bank & Trust$2.5B+11.1%19.3%77%0.80%1.14%8.9%
Landmark National Bank$1.6B-1.4%19.6%84%1.18%1.33%11.6%
Peoples Bank & Trust Co.$1.6B+3.4%28.1%77%0.92%0.83%9.4%
Armed Forces Bank N.A.$1.4B-5.5%34.4%60%1.21%1.73%12.9%
Bennington State Bank$1.4B+15.6%17.7%74%0.29%2.36%9.2%
Central National Bank$1.4B+3.1%29.8%67%0.01%1.32%10.1%
Corefirst Bank & Trust$1.3B+6.3%37.1%84%0.21%1.56%6.1%
NBKC Bank$1.2B+10.1%36.6%91%1.45%2.22%16.8%
Five years, 2021 to 2026the 185 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$45.6B$64.4B+41%
Deposits, in total$64.0B$78.9B+23%
NPA / loans, median0.28%0.32%+0.03 pts
Efficiency, median61.5%59.3%-2.1 pts
ROA, median1.27%1.41%+0.14 pts

Small-business lending

SBA 7(a) approvals into Kansas since FY2008, across every lender type

$3.2B of 7(a) credit has been approved into Kansas since FY2008 across 8,289 loans. Accommodation & food services is the largest category at 15.7%, Retail trade at 12.4%, Manufacturing at 12.0%; the three together are 40% of the money. The heaviest losses fall in Construction, at 5.98% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 343 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
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 FN First National Bank of Omaha 2.2% $71M · 201 loans Bo Bank of Hays 2.0% $65M · 243 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services16.9%$503M · 979 loansRetail trade13.4%$397M · 1,158 loansManufacturing13.0%$386M · 736 loansHealth care & social assistance11.6%$345M · 820 loansOther services9.4%$280M · 800 loansConstruction8.5%$253M · 895 loansProfessional & technical services7.8%$232M · 692 loansWholesale trade4.7%$140M · 293 loansAdministrative & waste services4.4%$131M · 495 loansArts, entertainment & recreation4.2%$123M · 290 loansTransportation & warehousing3.4%$101M · 365 loansFinance & insurance2.6%$77M · 204 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$503M97915.7%$14M2.79%
Retail trade$397M1,15812.4%$13M3.26%
Manufacturing$386M73612.0%$9M2.44%
Health care & social assistance$345M82010.7%$7M1.93%
Other services$280M8008.7%$6M1.99%
Construction$253M8957.9%$15M5.98%
Professional & technical services$232M6927.2%$3M1.31%
Wholesale trade$140M2934.4%$5M3.62%
Administrative & waste services$131M4954.1%$3M2.61%
Arts, entertainment & recreation$123M2903.8%$5M3.78%
Transportation & warehousing$101M3653.1%$2M1.56%
Finance & insurance$77M2042.4%$935K1.21%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Johnson$1.3B2,858185
Sedgwick$557M1,413128
Wyandotte$202M39372
Shawnee$116M36466
Douglas$103M39970
Ellis$61M23021
Butler$54M16249
Finney$53M14118
Riley$52M25436
Leavenworth$48M14250

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Kansas institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Kansas

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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