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The Kansas State Bank
Ottawa, KS · FDIC Certificate #10505 · Chartered 11/2
Total assets
$208.38M
Total deposits
$187.94M
Total equity
$17.93M
Net loans
$78.03M
Branches (offices)
3
Net income (YTD)
$1.44M
Rank: #2,922 of 4,213 U.S. banks by assets · #91 of 183 in Kansas. Assets changed 3.0% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 16.20% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 8.60% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 44.1% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 41.5% |
| Real estate loans (share of loans) | 80.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.82M | 80.5% | |
| Commercial & industrial | $8.78M | 11.2% | |
| Consumer / individual | $2.10M | 2.7% | |
| Construction & development | $3.95M | 5.1% | |
| Agricultural | $3.33M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $188.58M | $176.41M | $686.00K | $9.85M |
| Jun 2023 | $187.03M | $174.02M | $935.00K | $10.05M |
| Jun 2024 | $195.30M | $180.89M | $691.00K | $12.13M |
| Jun 2025 | $202.31M | $182.89M | $1.37M | $16.96M |
| Jun 2026 | $208.38M | $187.94M | $1.44M | $17.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $187.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $187.94M.
Similar-sized banks
Sei Private Trust Company ($208.45M) · Paper City Savings Bank, S.A. ($208.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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