Safest Banks in Kansas 2026
Kansas has 159 FDIC-insured banks with an average Bank Health Score of 69/100 (B). The safest bank is Garden Plain State Bank with a score of 100/100.
Data from FDIC Q2 2024
159 Kansas banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Kansas's 159 FDIC-insured banks hold a combined $84.1B in assets. Their average Bank Health Score of 69/100 sits 1.0 points in line with the national average of 70/100. Across the state, 49% of banks earn an A or B grade for financial health, while 12% fall to a D or F.
The largest bank headquartered in Kansas is Capitol Federal Savings Bank with $9.6B in assets and a Bank Health Score of 41/100. The strongest by score is Garden Plain State Bank in Wichita (100/100, Tier 1 capital 24.21%). The weakest is Johnson State Bank at 25/100, dragged down by an NPL ratio of 8.08%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Kansas
Garden Plain State Bank
Wichita, KS
Kansas's top-rated bank, with a Tier 1 capital ratio of 24.21% — well above the federal "well-capitalized" threshold of 8%. Holds $149M in assets.
Fidelity State Bank&Trust Co
Dodge City, KS
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.14% with $198M in total assets.
Haviland State Bank
Haviland, KS
Third in the rankings on the Bank Health Score. Liquidity ratio of 32.77% and ROA of 1.73%.
Top 20 of 159 Banks in Kansas
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Garden Plain State Bank | Wichita | A | 100 | 24.21% | 0.00% |
| 2 | Fidelity State Bank&Trust Co | Dodge City | A | 99 | 128.61% | 0.14% |
| 3 | Haviland State Bank | Haviland | A | 99 | 19.93% | 0.00% |
| 4 | Farmers Bank&Trust | Great Bend | A | 99 | 23.80% | 0.02% |
| 5 | First Kansas Bank | Hoisington | A | 99 | 18.65% | 0.00% |
| 6 | Armed Forces Bank NA | Fort Leavenworth | A | 99 | 20.47% | 0.09% |
| 7 | Howard Stb Howard Kansas | Howard | A | 99 | 15.10% | 0.20% |
| 8 | State Bk of Canton Canton Ks | Canton | A | 98 | 43.74% | 0.00% |
| 9 | Bennington State Bank | Salina | A | 98 | 16.94% | 0.29% |
| 10 | First Bank Kansas | Salina | A | 98 | 14.55% | 0.19% |
| 11 | First Nb in Cimarron | Cimarron | A | 98 | 14.79% | 0.00% |
| 12 | First State Bank | Ness City | A | 97 | 22.49% | 0.00% |
| 13 | Swedish-American State Bank | Courtland | A | 97 | 17.55% | 0.00% |
| 14 | Lyon County State Bank | Emporia | A | 97 | 17.65% | 0.08% |
| 15 | Cbw Bank | Weir | A | 95 | 100.27% | 0.00% |
| 16 | Centera Bank | Sublette | A | 95 | 15.77% | 0.03% |
| 17 | Solutions North Bank | Stockton | A | 95 | 16.61% | 0.00% |
| 18 | Mutual Savings Assn | Leavenworth | A | 95 | 32.97% | 0.57% |
| 19 | First Bank of Beloit | Beloit | A | 95 | 18.37% | 0.00% |
| 20 | State Bank of Spring Hill | Spring Hill | A | 95 | 25.66% | 0.00% |
Bank Health Scores for Kansas are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Garden Plain State Bank in Wichita is currently the safest bank in Kansas with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 24.21% and a nonperforming loan ratio of 0.00%.
Kansas has 159 FDIC-insured banks with a combined $84.1B in total assets. The average Bank Health Score across the state is 69/100 (Grade B).
Kansas's average Bank Health Score of 69/100 is 1.0 points in line with the national average of 70/100. 49% of banks in Kansas earn an A or B grade, compared with the national average grade of B.
Of 159 FDIC-insured banks headquartered in Kansas, 56 earn an A, 22 a B, 62 a C, 13 a D, and 6 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).