STRYV Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
STRYV Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $333 million at June 30, 2026, up 29.1% from a year earlier; it is based in Wichita, Kansas. It holds common equity equal to 9.96% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for banks its size. It has also been growing, with assets up 29.1% in a year.
Net income for the quarter rose 23% from a year earlier, to $892,000. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, STRYV Bank reported a CET1 capital ratio of 9.96%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 6160 N Broadway Ave, Wichita, KS 67219
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 14, 1975
- Former names
- Chisholm Trail State Bank (1977-2021)
- Offices
- 3 domestic
- Employees (FTE)
- 35
- Domestic deposits
- $297.0M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $327.4M
- Average total loans
- $280.1M
- Average interest-bearing deposits
- $248.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1975
- FDIC Cert
- 21955
- Fed RSSD
- 372855
- SEC CIK
- 1770564 → filed by CHISHOLM TRAIL FINANCIAL CORPORATION
- Website
- www.stryvbank.com →
- Parent Holding Company
- CHISHOLM TRAIL FINANCIAL CORPORATION (RSSD 1061772)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full STRYV Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock STRYV Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
STRYV Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 1.09% | 0.00% | 0.00% | 4.06% |
| Q1 2026 | 10.45% | 1.08% | 0.00% | 0.00% | 4.23% |
| Q4 2025 | 9.82% | 1.04% | 0.00% | 0.00% | 4.44% |
| Q3 2025 | 10.00% | 0.97% | 0.00% | 0.00% | 4.27% |
| Q2 2025 | 10.65% | 1.13% | 0.00% | 0.00% | 4.34% |
| Q1 2025 | 11.17% | 0.90% | 0.00% | 0.00% | 4.25% |
| Q4 2024 | 10.97% | 1.22% | 0.00% | 0.00% | 4.26% |
| Q3 2024 | 10.67% | 1.18% | 0.00% | 0.00% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| STRYV Bank (main office) | Wichita , KS | 67219 | $273.6M |
| Bel-Aire Facility | Wichita , KS | 67220 | $23.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 22, 1988 | Structure Change | Acquired Cedar Vale State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 21, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for STRYV Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KS, rank 76 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 53 applications, 47 loans originated, $10.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $565K approved, $282K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about STRYV Bank
What are STRYV Bank's total assets?
As of the Q2 2026 filing, STRYV Bank reported total assets of $333.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is STRYV Bank headquartered?
STRYV Bank is headquartered in Wichita, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was STRYV Bank founded?
STRYV Bank was established in 1975, per the FDIC institution directory.
Is STRYV Bank FDIC-insured?
Yes. STRYV Bank is an FDIC-insured commercial bank (FDIC Certificate #21955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates STRYV Bank?
STRYV Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is STRYV Bank's CET1 capital ratio?
STRYV Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.96% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does STRYV Bank operate?
STRYV Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is STRYV Bank's Texas Ratio?
STRYV Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was STRYV Bank previously called?
The charter now named STRYV Bank has also operated as Chisholm Trail State Bank (1977-2021), per FDIC structure-change records.
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