BANK OF THE FLINT HILLS

WAMEGO, KS | Medium | Est. Jan. 1, 1875, midnight | FDIC #4791 | RSSD #552059 | FED
Latest Report: 2025-12-31

BANK OF THE FLINT HILLS is amn medium FDIC-insured commercial bank headquartered in WAMEGO, KS, established in Jan. 1, 1875, midnight. As of 2025-12-31, the bank reported total assets of $509M and total deposits of $458M. Profitability stands at 1.69% ROA and 20.95% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 10.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 3.40%. FDIC Certificate #4791.

Assets

$509M

Deposits

$458M

Loans

$402M

Equity

$41M

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 20.95%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.57%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.40%
NPA Ratio 0.31%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 10.28%
Tier 1 Capital 10.28%
Total Capital Ratio 11.49%
Leverage Ratio 8.59%
Loan-to-Deposit 87.69%

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