Updated June 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Kansas

105 banks · Average score: 90/100 · Combined assets $46.1B

105 banks in this state currently hold A grades, averaging a composite score of 90/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 17.68% and an NPL ratio of 0.35%, sourced from the most recent FDIC quarterly Call Report.

105 Kansas banks earn an A grade on the BankHealth composite, with an average score of 90/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Kansas A-grade banks by health score with links to each bank's full profile.

A B C DF

What "A" Means in Practice

A-graded banks in Kansas are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 105 banks chartered in Kansas qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Kansas

Banks in this grade tier	105
Combined assets	$46.1B
Average composite score	90/100
Average Tier 1 capital ratio	17.68%
Average NPL ratio	0.35%

All A-Graded Banks in Kansas

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Garden Plain State Bank	Wichita	100	$149M	24.21%	0.00%	50.58%
2	Fidelity State Bank&Trust Co	Dodge City	99	$198M	128.61%	0.14%	86.90%
3	Haviland State Bank	Haviland	99	$49M	19.93%	0.00%	32.77%
4	Farmers Bank&Trust	Great Bend	99	$1.1B	23.80%	0.02%	50.76%
5	First Kansas Bank	Hoisington	99	$264M	18.65%	0.00%	50.90%
6	Armed Forces Bank NA	Fort Leavenworth	99	$1.4B	20.47%	0.09%	32.04%
7	Howard Stb Howard Kansas	Howard	99	$72M	15.10%	0.20%	41.03%
8	State Bk of Canton Canton Ks	Canton	98	$34M	43.74%	0.00%	42.83%
9	Bennington State Bank	Salina	98	$977M	16.94%	0.29%	30.30%
10	First Bank Kansas	Salina	98	$551M	14.55%	0.19%	33.90%
11	First Nb in Cimarron	Cimarron	98	$134M	14.79%	0.00%	48.19%
12	First State Bank	Ness City	97	$83M	22.49%	0.00%	55.19%
13	Swedish-American State Bank	Courtland	97	$59M	17.55%	0.00%	37.92%
14	Lyon County State Bank	Emporia	97	$190M	17.65%	0.08%	36.80%
15	Bank of Protection	Protection	97	$95M	14.30%	0.09%	29.19%
16	Farmers&Drovers Bank	Council Grove	96	$208M	25.11%	0.13%	37.97%
17	Fnb Washington	Washington	96	$82M	24.81%	0.55%	48.58%
18	Cbw Bank	Weir	95	$83M	100.27%	0.00%	70.73%
19	Denison State Bank	Holton	95	$442M	15.69%	0.48%	31.51%
20	Centera Bank	Sublette	95	$310M	15.77%	0.03%	47.82%
21	Solutions North Bank	Stockton	95	$303M	16.61%	0.00%	27.45%
22	Mutual Savings Assn	Leavenworth	95	$352M	32.97%	0.57%	29.06%
23	First Bank of Beloit	Beloit	95	$108M	18.37%	0.00%	30.00%
24	State Bank of Spring Hill	Spring Hill	95	$59M	25.66%	0.00%	69.24%
25	Integrity Bank	Fowler	94	$80M	20.99%	0.03%	43.91%
26	Prescott State Bank	Prescott	94	$15M	15.46%	0.00%	38.18%
27	Elk State Bank	Clyde	94	$132M	14.93%	0.01%	46.11%
28	Fusion Bank	Larned	94	$213M	12.80%	0.00%	39.19%
29	Liberty Savings Assn Fsa	Fort Scott	94	$29M	22.83%	0.00%	63.20%
30	State Bank of Bern	Bern	93	$114M	17.31%	0.96%	41.12%
31	First Nb in Fredonia	Fredonia	93	$96M	18.27%	0.79%	65.97%
32	Bendena State Bank	Bendena	93	$107M	13.32%	0.00%	34.59%
33	Bankers Bank of Kansas	Wichita	93	$208M	22.20%	0.25%	24.32%
34	Citizens Stb of Cheney Ks	Cheney	93	$83M	12.69%	0.00%	34.40%
35	Ford County State Bank	Spearville	92	$56M	16.99%	0.00%	46.37%
36	Dickinson County Bank	Enterprise	92	$21M	12.16%	0.00%	40.52%
37	Cottonwood Valley Bank	Cedar Point	92	$37M	14.21%	0.00%	84.03%
38	Farmers Stb of Blue Mound	Blue Mound	92	$55M	16.27%	0.04%	26.18%
39	Bank of Greeley	Greeley	92	$46M	12.80%	0.00%	49.54%
40	Kansas Stb Overbrook Kansas	Overbrook	92	$90M	18.28%	0.95%	39.35%
41	Bank of Labor	Lenexa	92	$978M	13.01%	0.13%	62.29%
42	First Nb of Harveyville	Harveyville	92	$16M	17.73%	0.11%	30.80%
43	Citizens Bank of Kansas	Kingman	92	$499M	14.41%	0.09%	47.02%
44	Marion National Bank	Marion	92	$29M	13.61%	0.00%	47.61%
45	Citizens St B&T Ellsworth Ks	Ellsworth	91	$257M	16.71%	0.82%	36.40%
46	First State Bank of Ransom	Ransom	91	$46M	36.97%	0.67%	55.05%
47	Marquette Farmers Stb Marque	Marquette	91	$32M	17.72%	0.48%	51.31%
48	Ninnescah Valley Bank	Cunningham	91	$39M	13.01%	0.00%	55.45%
49	First Option Bank	Osawatomie	91	$715M	13.52%	0.06%	33.58%
50	First Nb of Spearville	Spearville	91	$53M	12.83%	0.00%	31.51%
51	Grant County Bank	Ulysses	90	$296M	13.47%	0.66%	42.33%
52	Western State Bank	Garden City	90	$725M	12.45%	0.43%	29.14%
53	Flint Hills Bank	Eskridge	90	$155M	12.80%	0.00%	44.70%
54	Bank of Holyrood	Holyrood	90	$67M	25.11%	1.37%	28.53%
55	Nbkc Bank	Leawood	89	$1.1B	23.85%	0.50%	21.55%
56	Exchange Bank&Trust	Atchison	89	$554M	11.93%	0.08%	28.95%
57	First Nb of Scott City	Scott City	89	$159M	13.35%	0.99%	29.09%
58	Kaw Valley State Bank	Eudora	88	$79M	16.30%	1.36%	62.24%
59	Labette Bank	Altamont	88	$506M	11.96%	0.19%	30.99%
60	Bank of Denton	Denton	88	$25M	15.33%	1.06%	44.75%
61	Stockgrowers Stb Ashland Ks	Ashland	88	$173M	12.36%	0.00%	39.22%
62	First State Bank of Healy	Healy	88	$111M	15.76%	1.55%	33.16%
63	Kaw Valley State B&T Co	Wamego	88	$248M	11.69%	0.11%	41.23%
64	Stockgrowers State Bank	Maple Hill	88	$114M	11.27%	0.00%	29.59%
65	Security Bank of Kansas City	Kansas City	88	$3.7B	11.61%	0.03%	39.79%
66	Solomon State Bank	Solomon	88	$172M	19.43%	0.02%	18.63%
67	Farmers&Merchants Bk Mound C	Mound City	87	$56M	11.86%	0.09%	32.33%
68	Farmers Stb of Bucklin Ks	Bucklin	87	$57M	10.68%	0.00%	31.21%
69	Farmers Stb of Oakley Kansas	Oakley	87	$277M	13.16%	0.02%	23.81%
70	Guaranty State Bank&Trust Co	Beloit	86	$370M	12.02%	0.23%	29.11%
71	Peoples Bank	Pratt	86	$512M	15.95%	2.30%	48.10%
72	Commercial Bank	Parsons	86	$351M	16.78%	1.77%	47.81%
73	Peoples Bank&Trust Co	Mcpherson	86	$1.2B	11.68%	0.47%	30.37%
74	American Bk Baxter Springs	Baxter Springs	86	$144M	10.96%	0.00%	41.00%
75	Sjn Bank of Kansas	Saint John	86	$261M	13.36%	0.15%	40.81%
76	Elevate Bank National Assn	Sedan	86	$54M	11.61%	0.02%	35.85%
77	First Nb of Kansas	Burlington	86	$99M	16.83%	1.27%	58.12%
78	Intrust Bank National Assn	Wichita	86	$7.1B	12.54%	0.45%	37.54%
79	Landmark National Bank	Manhattan	86	$1.6B	12.72%	0.51%	28.85%
80	Carson Bank	Mulvane	85	$191M	10.59%	0.00%	29.11%
81	Farmers Stb of Aliceville Ks	Westphalia	85	$166M	18.28%	0.58%	22.09%
82	Bank of Tescott	Tescott	85	$464M	14.45%	0.26%	21.10%
83	Citizens FSB	Leavenworth	85	$189M	19.50%	0.16%	23.89%
84	Exchange Stb of St Paul Ks	Saint Paul	84	$97M	10.46%	0.00%	40.39%
85	Tricentury Bank	De Soto	84	$170M	11.31%	0.00%	23.86%
86	Lyons Federal Bank	Lyons	84	$165M	14.17%	0.30%	20.97%
87	Valley State Bank	Belle Plaine	83	$188M	11.89%	0.61%	41.49%
88	Silver Lake Bank	Topeka	83	$490M	10.29%	0.02%	28.44%
89	Riley Stb of Riley Kansas	Riley	83	$114M	10.59%	0.23%	33.05%
90	Esb Financial	Emporia	83	$341M	12.93%	1.11%	31.76%
91	Vintage Bank Kansas	Leon	83	$246M	11.11%	0.25%	31.20%
92	Union State Bank of Everest	Everest	82	$413M	12.36%	0.21%	24.44%
93	Equity Bank	Andover	82	$5.2B	12.93%	0.77%	24.67%
94	Argentine Federal Savings	Kansas City	82	$63M	12.82%	0.73%	35.73%
95	Gnbank National Assn	Girard	82	$981M	10.85%	0.37%	33.55%
96	Astra Bank	Scandia	81	$428M	10.74%	0.18%	38.48%
97	Corefirst Bank&Trust	Topeka	81	$1.2B	12.16%	0.82%	28.73%
98	Community Nb&T	Chanute	81	$2.2B	12.23%	0.69%	27.74%
99	First Nb of Louisburg	Louisburg	81	$186M	10.05%	0.00%	47.01%
100	Wilson State Bank	Wilson	80	$120M	11.89%	0.07%	23.97%
101	Kcb Bank	Lakin	80	$316M	13.27%	1.93%	40.33%
102	Halstead Bank	Halstead	80	$181M	10.92%	0.04%	24.69%
103	First Nb of Dighton	Dighton	80	$81M	23.14%	2.66%	37.79%
104	Southwind Bank	Natoma	80	$182M	9.64%	0.87%	52.52%
105	First Commerce Bank	Marysville	80	$145M	9.71%	0.30%	28.76%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Kansas?

What does this tier look like financially?

Across 105 A-graded banks in Kansas, the average Tier 1 capital ratio is 17.68% and the average nonperforming-loan ratio is 0.35%. Combined assets in this cohort total $46.1B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Kansas →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-06-29 · 105 A-graded banks in Kansas. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.