Intrust Bank
Intrust Bank reported total assets of $6.8 bn at Q2 2026, down 0.4% on a year earlier, the 224th largest of 497 banks in our US coverage. The CET1 capital ratio at Intrust Bank was 13.66%, and the uninsured share of Intrust Bank was 24.48%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Intrust Bank climbed from 373rd to 245th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Intrust Bank has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 19.88% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
- Since , Intrust Bank has taken over one institution; the latest was First Bank of Newton on (FDIC Call Reports).
What sets Intrust Bank apart
How large is Intrust Bank?
The balance sheet of Intrust Bank at : assets $6.8 bn, deposits $6.0 bn, net loans $4.3 bn (loans equal to 72.34% of deposits). Securities make up 26.6% of total assets at Intrust Bank. Since , when Intrust Bank held $4.6 bn, its assets grew 45.7%. In the year to , deposits at Intrust Bank fell 3.4% while its total assets fell 0.4%. At , Intrust Bank employed 808 full-time equivalent staff across 40 offices, about $8.4 mn of assets per employee and $148.8 mn of deposits per office.
How much funding at Intrust Bank is uninsured?
At Intrust Bank, uninsured deposits (above the FDIC limit) made up 24.48% of domestic deposits at (+2.69 pp on a year earlier); Intrust Bank ranks 376th of 500 on this measure. In dollars, Intrust Bank estimated $1.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.0 bn | -3.4% | 209th of 499 |
| Net loans and leases | $4.3 bn | +3.8% | 249th of 500 |
| Loan-to-deposit ratio | 72.34% | +4.96 pp | 409th of 500 |
| Tier 1 leverage ratio | 10.76% | +0.84 pp | 199th of 500 |
| Total risk-based capital ratio | 14.62% | +0.46 pp | 203rd of 448 |
| Net interest margin | 3.56% | +0.44 pp | 275th of 500 |
| Return on assets (ROA) | 1.40% | +0.31 pp | 196th of 500 |
| Efficiency ratio | 59.10% | -4.37 pp | 318th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $342.5 mn | Narrowed by $53.1 mn | |
| Noncurrent loans to total loans | 0.60% | -0.26 pp | 245th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | -0.05 pp | 170th of 500 (1 = lowest) |
US rank of Intrust Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Intrust Bank: assets, deposits and loans
- Total assets $6.8bn
- Deposits $6.0bn
- Net loans $4.3bn
Capital and securities
The CET1 ratio of Intrust Bank stood at 13.66% in , +0.54 pp year on year. Low and high at Intrust Bank since : 10.03% () to 13.66% (). Equity capital of Intrust Bank at : $501.4 mn, or 7.4% of total assets. Intrust Bank also reported a total capital ratio of 14.62% for , and a tier 1 leverage ratio of 10.76%.
The available-for-sale portfolio of Intrust Bank showed an unrealized loss of $342.5 mn at ; the loss narrowed by $53.1 mn over the year.
Intrust Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Intrust Bank: unrealized securities gains and losses
- Available for sale -$343mn
- Held to maturity $0
Profitability and loan quality
For the year to , Intrust Bank earned a return on equity of 19.88%; return on assets: 1.40%. Net interest margin at Intrust Bank: 3.56%, +0.44 pp in a year. Intrust Bank net income: $47.8 mn, up 26.2% year on year. The efficiency ratio of Intrust Bank was 59.10%: about 59 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at Intrust Bank; net charge-offs: 0.04% of average loans. Gross loans and leases at Intrust Bank: $4.4 bn, up 3.6% in a year.
Intrust Bank: profitability
- Return on equity 20%
- Net interest margin 3.6%
- Return on assets 1.4%
Peer group of Intrust Bank
The peer group of Intrust Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Intrust Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, Intrust Bank shows CET1 ratio 13.66% against a peer median of 14.23%, return on equity 19.88% against a peer median of 13.43% and uninsured deposit share 24.48% against a peer median of 25.48%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Old Second National Bank | National bank | IL | $6.9 bn | 13.72% | 12.59% | 27.10% | |
| First National Bank of America | National bank | MI | $6.8 bn | 15.28% | 34.72% | 18.66% | |
| Hinsdale Bank & Trust Company | National bank | IL | $6.8 bn | 10.60% | 14.28% | 36.65% | |
| Intrust Bank | National bank | KS | $6.8 bn | 13.66% | 19.88% | 24.48% | |
| City National Bank of West Virginia | National bank | WV | $6.8 bn | 15.01% | 19.17% | 16.74% | |
| Third Coast Bank | State member bank | TX | $6.7 bn | 12.10% | 11.42% | 30.98% | |
| Heartland Bank and Trust Company | State nonmember bank | IL | $6.7 bn | 14.75% | 11.16% | 23.85% | |
. FDIC Call Reports.
Last eight quarters
Two years at Intrust Bank, to : assets -7.1%, deposits -10.5%, equity +16.0%. Staff 812 to 808; offices 41 to 40.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.3 bn | $7.1 bn | $7.1 bn | $6.8 bn | $6.8 bn | $7.0 bn | $6.8 bn | $6.8 bn |
| Total deposits | $6.6 bn | $6.5 bn | $6.5 bn | $6.2 bn | $6.1 bn | $6.3 bn | $6.0 bn | $6.0 bn |
| Bank equity capital | $432.2 mn | $377.8 mn | $420.4 mn | $416.6 mn | $451.6 mn | $463.1 mn | $478.8 mn | $501.4 mn |
| CET1 ratio | 12.87% | 13.16% | 13.20% | 13.12% | 13.60% | 13.47% | 13.50% | 13.66% |
| Return on equity (ROE) | 14.63% | 15.36% | 16.97% | 18.72% | 18.82% | 19.50% | 19.13% | 19.88% |
| Uninsured share of domestic deposits | 25.58% | 27.96% | 26.70% | 21.79% | 23.63% | 23.52% | 24.10% | 24.48% |
| Full-time equivalent employees | 812 | 806 | 807 | 817 | 810 | 811 | 813 | 808 |
| Number of offices | 41 | 41 | 41 | 41 | 41 | 40 | 40 | 40 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Intrust Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed First Bank of Newton (FDIC certificate 4738).
Large one-quarter moves at Intrust Bank
- Total assets at Intrust Bank changed by +25.0% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Intrust Bank?
Intrust Bank reported $6.8 bn at in its Call Report. That makes Intrust Bank the 224th largest of 497 banks in our US coverage.
Is Intrust Bank the same as its holding company?
No. This page covers Intrust Bank, FDIC certificate 4799; INTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Intrust Bank profitable?
Intrust Bank reported net income of $47.8 mn for the year to ; annualized return on equity: 19.88%. So yes: Intrust Bank made a profit over these months.
When is data for Intrust Bank next updated?
Figures from Intrust Bank for are due after .
Where can I check the figures for Intrust Bank?
In the FDIC BankFind Suite record for certificate 4799, and in the Call Reports of Intrust Bank (RSSD ID 557858) at the FFIEC Central Data Repository.