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Tricentury Bank
De Soto, KS · FDIC Certificate #18109 · Chartered 03/1
Total assets
$213.79M
Total deposits
$135.08M
Total equity
$22.89M
Net loans
$177.01M
Branches (offices)
3
Net income (YTD)
$1.74M
Rank: #2,891 of 4,213 U.S. banks by assets · #88 of 183 in Kansas. Assets changed 11.3% and deposits 16.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.68% |
| Return on equity | 15.70% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 10.71% |
| Tier 1 leverage ratio | 10.76% |
| Uninsured deposits (share of deposits) | 13.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 131.0% |
| Real estate loans (share of loans) | 91.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $162.54M | 91.8% | |
| Commercial & industrial | $13.56M | 7.7% | |
| Consumer / individual | $1.78M | 1.0% | |
| Construction & development | $3.49M | 2.0% | |
| Agricultural | $814.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $144.84M | $97.55M | $933.00K | $16.30M |
| Jun 2023 | $143.23M | $80.58M | $1.19M | $17.58M |
| Jun 2024 | $170.30M | $94.02M | $1.27M | $18.96M |
| Jun 2025 | $192.00M | $115.59M | $1.46M | $20.66M |
| Jun 2026 | $213.79M | $135.08M | $1.74M | $22.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $135.08M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $135.08M.
Similar-sized banks
Aroostook County Federal Savings And Loan Association ($213.98M) · Surety Bank ($213.68M)
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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