Updated April 2026 · FDIC Call Report Q2 2024
C-Rated Banks in Kansas
62 banks · Average score: 58/100 · Combined assets $18.3B
62 banks in this state currently hold C grades, averaging a composite score of 58/100. 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 1.43% and an NPL ratio of 0.43%, sourced from the most recent FDIC quarterly Call Report.
62 Kansas banks hold a C grade, averaging 58/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.
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 C-grade banks by health score with links to each bank's full profile.
What "C" Means in Practice
C-graded banks in Kansas are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 62 banks chartered in Kansas carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.
For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.
Tier-Wide Snapshot in Kansas
| Banks in this grade tier | 62 |
| Combined assets | $18.3B |
| Average composite score | 58/100 |
| Average Tier 1 capital ratio | 1.43% |
| Average NPL ratio | 0.43% |
All C-Graded Banks in Kansas
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Farmers Stb of Bucklin Ks | Bucklin | 64 | $57M | 0.00% | 0.00% | 31.21% |
| 2 | Community Bk of Wichita INC | Wichita | 64 | $110M | 11.56% | 0.72% | 11.41% |
| 3 | Home Bank&Trust Co | Eureka | 64 | $169M | 9.86% | 0.02% | 9.58% |
| 4 | Citizens State Bank&Trust Co | Council Grove | 63 | $74M | 9.55% | 0.00% | 9.35% |
| 5 | Bank of Greeley | Greeley | 63 | $46M | 0.00% | 0.00% | 49.54% |
| 6 | Stockgrowers State Bank | Maple Hill | 63 | $114M | 0.00% | 0.00% | 29.59% |
| 7 | Bank of Protection | Protection | 63 | $95M | 0.00% | 0.09% | 29.19% |
| 8 | Fidelity Bank National Assn | Wichita | 63 | $3.2B | 10.60% | 0.53% | 13.83% |
| 9 | Kaw Valley State B&T Co | Wamego | 62 | $248M | 0.00% | 0.11% | 41.23% |
| 10 | Exchange Bank&Trust | Atchison | 62 | $554M | 0.00% | 0.08% | 28.95% |
| 11 | American Bk Baxter Springs | Baxter Springs | 62 | $144M | 0.00% | 0.00% | 41.00% |
| 12 | Security Bank of Kansas City | Kansas City | 62 | $3.7B | 0.00% | 0.03% | 39.79% |
| 13 | First Nb of Spearville | Spearville | 62 | $53M | 0.00% | 0.00% | 31.51% |
| 14 | Farmers&Drovers Bank | Council Grove | 61 | $208M | 0.00% | 0.13% | 37.97% |
| 15 | Exchange Stb of St Paul Ks | Saint Paul | 61 | $97M | 0.00% | 0.00% | 40.39% |
| 16 | Stock Exc Bk Caldwell Ks | Caldwell | 61 | $82M | 12.62% | 1.94% | 12.76% |
| 17 | Labette Bank | Altamont | 61 | $506M | 0.00% | 0.19% | 30.99% |
| 18 | Stockgrowers Stb Ashland Ks | Ashland | 61 | $173M | 0.00% | 0.00% | 39.22% |
| 19 | Flint Hills Bank | Eskridge | 61 | $155M | 0.00% | 0.00% | 44.70% |
| 20 | Ninnescah Valley Bank | Cunningham | 61 | $39M | 0.00% | 0.00% | 55.45% |
| 21 | Fnb Washington | Washington | 61 | $82M | 0.00% | 0.55% | 48.58% |
| 22 | Kansas State Bank | Ottawa | 60 | $195M | 0.00% | 0.02% | 50.84% |
| 23 | Denison State Bank | Holton | 60 | $442M | 0.00% | 0.48% | 31.51% |
| 24 | Silver Lake Bank | Topeka | 60 | $490M | 0.00% | 0.02% | 28.44% |
| 25 | Riley Stb of Riley Kansas | Riley | 60 | $114M | 0.00% | 0.23% | 33.05% |
| 26 | Marion National Bank | Marion | 60 | $29M | 0.00% | 0.00% | 47.61% |
| 27 | Southwind Bank | Natoma | 60 | $182M | 0.00% | 0.87% | 52.52% |
| 28 | Elevate Bank National Assn | Sedan | 60 | $54M | 0.00% | 0.02% | 35.85% |
| 29 | Guaranty State Bank&Trust Co | Beloit | 59 | $370M | 0.00% | 0.23% | 29.11% |
| 30 | Grant County Bank | Ulysses | 59 | $296M | 0.00% | 0.66% | 42.33% |
| 31 | Prescott State Bank | Prescott | 59 | $15M | 0.00% | 0.00% | 38.18% |
| 32 | Andover State Bank | Andover | 59 | $210M | 9.13% | 0.03% | 8.36% |
| 33 | Cottonwood Valley Bank | Cedar Point | 59 | $37M | 0.00% | 0.00% | 84.03% |
| 34 | Bank of Hays | Hays | 59 | $354M | 0.00% | 0.54% | 38.70% |
| 35 | Vintage Bank Kansas | Leon | 59 | $246M | 0.00% | 0.25% | 31.20% |
| 36 | Tricentury Bank | De Soto | 59 | $170M | 0.00% | 0.00% | 23.86% |
| 37 | Liberty Savings Assn Fsa | Fort Scott | 59 | $29M | 0.00% | 0.00% | 63.20% |
| 38 | First Nb of Louisburg | Louisburg | 59 | $186M | 0.00% | 0.00% | 47.01% |
| 39 | First Commerce Bank | Marysville | 59 | $145M | 0.00% | 0.30% | 28.76% |
| 40 | Baldwin State Bank | Baldwin City | 58 | $104M | 0.00% | 0.28% | 53.80% |
| 41 | State Bank of Bern | Bern | 58 | $114M | 0.00% | 0.96% | 41.12% |
| 42 | First Nb in Fredonia | Fredonia | 58 | $96M | 0.00% | 0.79% | 65.97% |
| 43 | Gnbank National Assn | Girard | 58 | $981M | 0.00% | 0.37% | 33.55% |
| 44 | First Nb of Scott City | Scott City | 58 | $159M | 0.00% | 0.99% | 29.09% |
| 45 | Farmers Stb of Blue Mound | Blue Mound | 57 | $55M | 0.00% | 0.04% | 26.18% |
| 46 | Bank of Prairie Village | Prairie Village | 57 | $159M | 0.00% | 0.02% | 22.94% |
| 47 | Prairie Bank of Kansas | Stafford | 57 | $131M | 0.00% | 0.00% | 28.49% |
| 48 | Valley State Bank | Belle Plaine | 56 | $188M | 0.00% | 0.61% | 41.49% |
| 49 | Marquette Farmers Stb Marque | Marquette | 56 | $32M | 0.00% | 0.48% | 51.31% |
| 50 | Bank of Denton | Denton | 53 | $25M | 0.00% | 1.06% | 44.75% |
| 51 | First State Bank of Healy | Healy | 53 | $111M | 0.00% | 1.55% | 33.16% |
| 52 | Argentine Federal Savings | Kansas City | 53 | $63M | 0.00% | 0.73% | 35.73% |
| 53 | First Nb in Frankfort | Frankfort | 53 | $57M | 0.00% | 1.08% | 48.80% |
| 54 | Solomon State Bank | Solomon | 53 | $172M | 0.00% | 0.02% | 18.63% |
| 55 | Lyndon State Bank | Lyndon | 52 | $98M | 12.48% | 2.92% | 12.49% |
| 56 | Bank of Tescott | Tescott | 52 | $464M | 0.00% | 0.26% | 21.10% |
| 57 | United Bank&Trust | Marysville | 51 | $884M | 0.00% | 0.02% | 19.28% |
| 58 | Lyons Federal Bank | Lyons | 51 | $165M | 0.00% | 0.30% | 20.97% |
| 59 | Farmers Stb of Aliceville Ks | Westphalia | 50 | $166M | 0.00% | 0.58% | 22.09% |
| 60 | Golden Belt Bank Fsa | Hays | 50 | $320M | 0.00% | 0.67% | 22.16% |
| 61 | Citizens FSB | Leavenworth | 50 | $189M | 0.00% | 0.16% | 23.89% |
| 62 | Conway Bank | Conway Springs | 50 | $109M | 13.06% | 4.44% | 17.68% |
For Depositors at C-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 C grade mean for a bank?
C-graded banks in Kansas are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 62 banks chartered in Kansas carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.
How many C-graded banks are in Kansas?
62 banks in this state currently hold C grades, averaging a composite score of 58/100. 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.
What does this tier look like financially?
Across 62 C-graded banks in Kansas, the average Tier 1 capital ratio is 1.43% and the average nonperforming-loan ratio is 0.43%. Combined assets in this cohort total $18.3B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at C-graded banks still FDIC-insured?
For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.
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.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · 62 C-graded banks in Kansas. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.