Tampa State Bank
Tampa, Kansas · FDIC Cert #13584
Tampa State Bank is an FDIC-insured bank (Certificate #13584) with $67M in total assets and $47M in total deposits as of the Q2 2024 Call Report. Headquartered in Tampa, Kansas, the bank maintains a Tier 1 capital ratio of 14.06% (Well-Capitalized) and a nonperforming loan ratio of 3.36%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tampa State Bank (FDIC cert 13584) is a community bank — $67M in total assets, $47M in deposits, serving the Tampa, 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 14.06% 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 elevated: non-performing loan ratio of 3.36% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 44.8% 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 thin: ROA of 0.60% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. 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. Tampa State Bank carries a composite BankHealth grade of B (72/100) 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: Tampa State Bank
- Total Assets
- $67M
- Total Deposits
- $47M
- Tier 1 Capital Ratio
- 14.06%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.36%
- Liquidity Ratio
- 44.82%
- Return on Assets
- 0.60%
- Headquarters
- Tampa, Kansas
- FDIC Certificate
- #13584
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Tampa State Bank holds a Tier 1 capital ratio of 14.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tampa State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tampa State Bank shows strong financial health indicators. With $67M in assets and a Health Score of 72/100, 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 Tampa State Bank Compares
Tampa State Bank’s Health Score of 72 is 3 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 14.06% Tier 1 capital ratio is 0.1 points above the US banking industry average near 14%. The 3.36% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.60% is below the national ROA benchmark of ~1.1%. Among 748 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Tampa State Bank is 2 points above the portfolio average of 70.
Frequently Asked Questions
Tampa State Bank has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.06%, 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. Tampa State Bank's Tier 1 capital ratio of 14.06% and nonperforming loan ratio of 3.36% 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 Tampa State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13584). 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.
Tampa State Bank holds $67M in total assets and $47M in total deposits. It is headquartered in Tampa, Kansas (FDIC Certificate #13584).
Tampa State Bank has a Tier 1 capital ratio of 14.06%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.36%, and the return on assets is 0.60%.
Yes. Tampa State Bank is FDIC-insured (Certificate #13584). 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%).
Tampa State 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.