Bank of the Flint Hills
Wamego, Kansas · FDIC Cert #4791
Bank of the Flint Hills is an FDIC-insured bank (Certificate #4791) with $434M in total assets and $389M in total deposits as of the Q2 2024 Call Report. Headquartered in Wamego, Kansas, the bank maintains a Tier 1 capital ratio of 10.60% (Well-Capitalized) and a nonperforming loan ratio of 0.63%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of the Flint Hills (FDIC cert 4791) is a community bank — $434M in total assets, $389M in deposits, serving the Wamego, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.60% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.63% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.32% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of the Flint Hills carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of the Flint Hills
- Total Assets
- $434M
- Total Deposits
- $389M
- Tier 1 Capital Ratio
- 10.60%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.63%
- Liquidity Ratio
- 15.40%
- Return on Assets
- 1.32%
- Headquarters
- Wamego, Kansas
- FDIC Certificate
- #4791
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of the Flint Hills holds a Tier 1 capital ratio of 10.60%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of the Flint Hills has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of the Flint Hills shows strong financial health indicators. With $434M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of the Flint Hills Compares
Bank of the Flint Hills’s Health Score of 67 is 2 points below the Kansas state average of 69 across 159 FDIC-insured banks. Its 10.60% Tier 1 capital ratio is 3.4 points below the US banking industry average near 14%. The 0.63% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.32% is in line with or above the national ROA benchmark of ~1.1%. Among 1512 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Bank of the Flint Hills is 3 points below the portfolio average of 70.
Frequently Asked Questions
Bank of the Flint Hills has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.60%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of the Flint Hills's Tier 1 capital ratio of 10.60% and nonperforming loan ratio of 0.63% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of the Flint Hills is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4791). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of the Flint Hills holds $434M in total assets and $389M in total deposits. It is headquartered in Wamego, Kansas (FDIC Certificate #4791).
Bank of the Flint Hills has a Tier 1 capital ratio of 10.60%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.63%, and the return on assets is 1.32%.
Yes. Bank of the Flint Hills is FDIC-insured (Certificate #4791). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of the Flint Hills's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.