Bankwest of Kansas
Goodland, Kansas · FDIC Cert #10502
This is the FDIC profile for Bankwest of Kansas, an FDIC-insured bank (Certificate #10502) with $139M in total assets and $122M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Goodland, Kansas, the bank maintains a Tier 1 capital ratio of 20.99% (Well-Capitalized) and a nonperforming loan ratio of 6.86%. BankHealthData assigns a composite Health Grade of B (70/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bankwest of Kansas (FDIC cert 10502) is a community bank — $139M in total assets, $122M in deposits, serving the Goodland, 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 strong: Tier 1 capital ratio of 20.99% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 6.86% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 42.9% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.28% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bankwest of Kansas carries a composite BankHealth grade of B (70/100) 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: Bankwest of Kansas
- Total Assets
- $139M
- Total Deposits
- $122M
- Tier 1 Capital Ratio
- 20.99%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 6.86%
- Liquidity Ratio
- 42.88%
- Return on Assets
- 2.28%
- Headquarters
- Goodland, Kansas
- FDIC Certificate
- #10502
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bankwest of Kansas files quarterly Call Reports with the FDIC under Certificate #10502. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bankwest of Kansas holds a Tier 1 capital ratio of 20.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bankwest of Kansas has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bankwest of Kansas shows strong financial health indicators. With $139M in assets and a Health Score of 70/100, 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 Bankwest of Kansas Compares
Bankwest of Kansas’s Health Score of 70 is 12 points below the Kansas state average of 82 across 159 FDIC-insured banks. Its 20.99% Tier 1 capital ratio is 7.0 points above the US banking industry average near 14%. The 6.86% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.28% is in line with or above the national ROA benchmark of ~1.1%. Among 1319 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Bankwest of Kansas is 10 points below the portfolio average of 80.
Frequently Asked Questions
Bankwest of Kansas has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 20.99%, 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. Bankwest of Kansas's Tier 1 capital ratio of 20.99% and nonperforming loan ratio of 6.86% 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 Bankwest of Kansas is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10502). 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.
Bankwest of Kansas holds $139M in total assets and $122M in total deposits. It is headquartered in Goodland, Kansas (FDIC Certificate #10502).
Bankwest of Kansas's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #10502 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bankwest of Kansas has a Tier 1 capital ratio of 20.99%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 6.86%, and the return on assets is 2.28%.
Yes. Bankwest of Kansas is FDIC-insured (Certificate #10502). 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%).
Bankwest of Kansas'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.