KS StateBank
KS StateBank reported total assets of $2.6 bn at Q2 2026, down 1.7% on a year earlier, the 481st largest of 497 banks in our US coverage. KS StateBank uses the community bank leverage ratio framework, with a leverage ratio of 12.97%, and the uninsured share of KS StateBank was 21.85%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, KS StateBank climbed from 375th to 325th among 500 US banks between and (1 = highest; FDIC Call Reports).
- KS StateBank has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 2.49% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
What sets KS StateBank apart
How large is KS StateBank?
The balance sheet of KS StateBank at : assets $2.6 bn, deposits $2.2 bn, net loans $2.0 bn (loans equal to 92.75% of deposits). Securities make up 16.6% of total assets at KS StateBank. Since , when KS StateBank held $1.5 bn, its assets grew 69.3%. In the year to , deposits at KS StateBank fell 2.7% while its total assets fell 1.7%. At , KS StateBank employed 186 full-time equivalent staff across 6 offices, about $14.0 mn of assets per employee and $361.3 mn of deposits per office.
How much funding at KS StateBank is uninsured?
At KS StateBank, uninsured deposits (above the FDIC limit) made up 21.85% of domestic deposits at (+1.77 pp on a year earlier); KS StateBank ranks 398th of 500 on this measure. In dollars, KS StateBank estimated $473.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | -2.7% | 482nd of 499 |
| Net loans and leases | $2.0 bn | +0.6% | 441st of 500 |
| Loan-to-deposit ratio | 92.75% | +3.08 pp | 150th of 500 |
| Net interest margin | 3.38% | +0.33 pp | 325th of 500 |
| Return on assets (ROA) | 1.95% | +0.28 pp | 59th of 500 |
| Efficiency ratio | 38.79% | -0.91 pp | 55th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $12,000 | Fell by $7,000 | |
| Unrealized gain/loss on available-for-sale securities | Gain of $4.8 mn | Rose by $336,000 | |
| Noncurrent loans to total loans | 2.49% | +1.33 pp | 473rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | +0.05 pp | 162nd of 500 (1 = lowest) |
US rank of KS StateBank: 1 = highest unless marked 1 = lowest.
Balance sheet
KS StateBank: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.2bn
- Net loans $2.0bn
Capital and securities
KS StateBank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 12.97% in . Equity capital of KS StateBank at : $342.1 mn, or 13.2% of total assets.
On held-to-maturity securities, KS StateBank carried an unrealized gain of $12,000 at , equal to 0.0% of equity capital. The gain fell by $7,000 over the year. Its deepest point: $31,000 in . The available-for-sale portfolio of KS StateBank showed an unrealized gain of $4.8 mn at ; the gain rose by $336,000 over the year.
KS StateBank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 13%
KS StateBank: unrealized securities gains and losses
- Available for sale $5mn
- Held to maturity $12,000
Profitability and loan quality
For the year to , KS StateBank earned a return on equity of 15.22%; return on assets: 1.95%. Net interest margin at KS StateBank: 3.38%, +0.33 pp in a year. KS StateBank net income: $25.4 mn, up 17.6% year on year. The efficiency ratio of KS StateBank was 38.79%: about 39 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 2.49% of total loans at KS StateBank; net charge-offs: 0.03% of average loans. Gross loans and leases at KS StateBank: $2.0 bn, up 0.7% in a year.
KS StateBank: profitability
- Return on equity 15%
- Net interest margin 3.4%
- Return on assets 1.9%
Peer group of KS StateBank
The peer group of KS StateBank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of KS StateBank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, KS StateBank shows return on equity 15.22% against a peer median of 7.97% and uninsured deposit share 21.85% against a peer median of 23.62%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| North Shore Bank | State-chartered stock savings bank | WI | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.6 bn | 10.67% | 12.72% | 41.01% | |
| Dedham Institution for Savings | State-chartered stock savings bank | MA | $2.6 bn | 13.93% | 7.99% | 35.75% | |
| KS StateBank | State nonmember bank | KS | $2.6 bn | not reported | 15.22% | 21.85% | |
| Meridian Bank | State nonmember bank | PA | $2.6 bn | not reported | 7.95% | 30.66% | |
| Wells Fargo Bank South Central | National bank | TX | $2.6 bn | 80.53% | 5.69% | 0.46% | |
| State Bank of Texas | State nonmember bank | TX | $2.6 bn | not reported | 27.93% | 16.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at KS StateBank, to : assets +5.5%, deposits +6.9%, equity +6.9%. Staff 181 to 186.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Total deposits | $2.0 bn | $2.0 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $320.0 mn | $328.6 mn | $303.4 mn | $311.7 mn | $318.5 mn | $327.0 mn | $333.4 mn | $342.1 mn |
| Return on equity (ROE) | 9.95% | 11.62% | 13.95% | 13.75% | 13.33% | 13.93% | 14.80% | 15.22% |
| Uninsured share of domestic deposits | 24.67% | 24.98% | 20.34% | 20.08% | 20.28% | 21.40% | 22.87% | 21.85% |
| Full-time equivalent employees | 181 | 182 | 178 | 182 | 187 | 180 | 184 | 186 |
| Number of offices | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by KS StateBank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of KS StateBank?
KS StateBank reported $2.6 bn at in its Call Report. That makes KS StateBank the 481st largest of 497 banks in our US coverage.
Is KS StateBank the same as its holding company?
No. This page covers KS StateBank, FDIC certificate 19899; MANHATTAN BANKING CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is KS StateBank profitable?
KS StateBank reported net income of $25.4 mn for the year to ; annualized return on equity: 15.22%. So yes: KS StateBank made a profit over these months.
When is data for KS StateBank next updated?
Figures from KS StateBank for are due after .
Where can I check the figures for KS StateBank?
In the FDIC BankFind Suite record for certificate 19899, and in the Call Reports of KS StateBank (RSSD ID 160959) at the FFIEC Central Data Repository.