Kansasland Bank
Quinter, Kansas · FDIC Cert #13957
Kansasland Bank is an FDIC-insured bank (Certificate #13957) with $53M in total assets and $43M in total deposits as of the Q2 2024 Call Report. Headquartered in Quinter, Kansas, the bank maintains a Tier 1 capital ratio of 12.99% (Well-Capitalized) and a nonperforming loan ratio of 1.14%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Kansasland Bank (FDIC cert 13957) is a community bank — $53M in total assets, $43M in deposits, serving the Quinter, 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 12.99% 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 is normal: non-performing loan ratio of 1.14% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 40.4% 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 negative: ROA of -1.90% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Kansasland Bank carries a composite BankHealth grade of B (78/100) 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: Kansasland Bank
- Total Assets
- $53M
- Total Deposits
- $43M
- Tier 1 Capital Ratio
- 12.99%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.14%
- Liquidity Ratio
- 40.43%
- Return on Assets
- -1.90%
- Headquarters
- Quinter, Kansas
- FDIC Certificate
- #13957
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Kansasland Bank holds a Tier 1 capital ratio of 12.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Kansasland Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Kansasland Bank shows strong financial health indicators. With $53M in assets and a Health Score of 78/100, 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 Kansasland Bank Compares
Kansasland Bank’s Health Score of 78 is 9 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 12.99% Tier 1 capital ratio is 1.0 points below the US banking industry average near 14%. The 1.14% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.90% is below the national ROA benchmark of ~1.1%. Among 585 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Kansasland Bank is 8 points above the portfolio average of 70.
Frequently Asked Questions
Kansasland Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.99%, 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. Kansasland Bank's Tier 1 capital ratio of 12.99% and nonperforming loan ratio of 1.14% 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 Kansasland Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13957). 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.
Kansasland Bank holds $53M in total assets and $43M in total deposits. It is headquartered in Quinter, Kansas (FDIC Certificate #13957).
Kansasland Bank has a Tier 1 capital ratio of 12.99%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.14%, and the return on assets is -1.90%.
Yes. Kansasland Bank is FDIC-insured (Certificate #13957). 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%).
Kansasland Bank'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.