INTRUST Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
INTRUST Bank, N.A., based in Wichita, Kansas, reported $6.8 billion in assets at June 30, 2026. It lost 3.4% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also returns 20.6% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $343 million equal 45% of Tier 1 capital, down from 54% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 3.6% and deposits fell 3.4%. One more trend to watch: the non-owner-occupied commercial real estate book ($846 million) is worsening: 3.27% of it is past due or on nonaccrual, up from 2.47% a year earlier.
As of June 30, 2026, INTRUST Bank, N.A. reported a CET1 capital ratio of 13.66%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 4.87%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 105 N Main St, Wichita, KS 67202
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 1, 1876
- Offices
- 40 domestic
- Employees (FTE)
- 808
- Domestic deposits
- $5.95B
- Allowance for credit losses
- $51.5M
- Net charge-offs (YTD)
- $785K
- Average total assets
- $7.10B
- Average total loans
- $4.34B
- Average interest-bearing deposits
- $4.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4799
- Fed RSSD
- 557858
- SEC CIK
- 705025 → filed by INTRUST FINANCIAL CORPORATION
- Website
- http://www.intrustbank.com →
- Parent Holding Company
- INTRUST FINANCIAL CORPORATION (RSSD 1064278)
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 INTRUST Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock INTRUST Bank, N.A., freeINTRUST Bank, N.A. 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 | 13.66% | 1.42% | 0.60% | 4.87% | 3.59% |
| Q1 2026 | 13.50% | 1.27% | 0.60% | 5.01% | 3.44% |
| Q4 2025 | 13.47% | 1.36% | 0.76% | 6.42% | 3.43% |
| Q3 2025 | 13.60% | 1.17% | 0.86% | 7.36% | 3.26% |
| Q2 2025 | 13.12% | 1.15% | 0.86% | 7.91% | 3.20% |
| Q1 2025 | 13.20% | 0.92% | 1.05% | 9.65% | 2.95% |
| Q4 2024 | 13.16% | 0.88% | 0.72% | 7.12% | 2.79% |
| Q3 2024 | 12.87% | 0.72% | 0.38% | 3.33% | 2.65% |
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 40 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| INTRUST Bank, N.A. (main office) | Wichita , KS | 67202 | $1.14B |
| Tallgrass | Wichita , KS | 67206 | $451.0M |
| West Lake Branch | Wichita , KS | 67235 | $286.1M |
| 4000 Somerset Drive Branch | Prairie Village , KS | 66208 | $285.1M |
| West Branch | Wichita , KS | 67212 | $275.0M |
| East Branch | Wichita , KS | 67206 | $247.5M |
| Northeast Branch | Wichita , KS | 67226 | $210.7M |
| New Market Square Branch | Wichita , KS | 67205 | $207.0M |
| Lawrence Vermont | Lawrence , KS | 66044 | $193.4M |
| El Dorado Branch | El Dorado , KS | 67042 | $180.4M |
| 2005 West 21st Street Branch | Wichita , KS | 67203 | $171.8M |
| East Central Street Branch | Wichita , KS | 67208 | $169.8M |
| Andover | Andover , KS | 67002 | $159.1M |
| Haysville Branch | Haysville , KS | 67060 | $150.9M |
| First Bank of Newton Branch | Newton , KS | 67114 | $148.4M |
| Topeka | Topeka , KS | 66612 | $141.0M |
| South Branch | Wichita , KS | 67217 | $137.3M |
| Southeast Branch | Wichita , KS | 67207 | $127.5M |
| Derby Branch | Derby , KS | 67037 | $126.9M |
| Oklahoma City - Leadership Square Two Branch | Oklahoma City , OK | 73102 | $123.9M |
| Valley Center Branch | Valley Center , KS | 67147 | $108.3M |
| El Dorado West Branch | El Dorado , KS | 67042 | $92.9M |
| Olathe Branch | Olathe , KS | 66061 | $87.8M |
| Overland Park Branch | Overland Park , KS | 66213 | $76.3M |
| Newton Branch | Newton , KS | 67114 | $67.1M |
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 |
|---|---|---|---|
| November 9, 2019 | M&A | Acquired First Bank of Newton merger for the acquired bank | SEC |
| November 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2019 | Structure Change | Acquired First Bank of Newton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2018 | M&A | Acquired Millennium Bank sale_of_assets for the acquired bank | SEC |
| December 1, 2018 | Structure Change | Acquired Millennium Bank Sale of Assets for the acquired bank | FFIEC NIC |
| January 1, 2014 | M&A | Acquired Nestegg Consulting, Inc. merger for the acquired bank | SEC |
| January 1, 2014 | Structure Change | Acquired Nestegg Consulting, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 2007 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| March 17, 2007 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 2001 | M&A | Acquired Will Rogers Bank merger for the acquired bank | SEC |
| August 11, 2001 | Structure Change | Acquired Will Rogers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 1996 | M&A | Acquired INTRUST Mortgage Corporation merger for the acquired bank | SEC |
| May 31, 1996 | Structure Change | Acquired INTRUST Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 2, 1995 | M&A | Acquired The First National Bank of Ottawa merger for the acquired bank | SEC |
| December 2, 1995 | Structure Change | Acquired The First National Bank of Ottawa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 1995 | M&A | Acquired INTRUST Bank merger for the acquired bank | SEC |
| February 11, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 1995 | Structure Change | Acquired INTRUST Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 1993 | M&A | Acquired Kansas State Bank and Trust Company merger for the acquired bank | SEC |
| July 9, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1993 | Structure Change | Acquired Kansas State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 1991 | M&A | Acquired Mid Kansas Savings and Loan Association, F.A. failure_government_assistance_provided for the acquired bank | SEC |
| February 16, 1991 | Structure Change | Acquired Mid Kansas Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for INTRUST Bank, N.A., 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
- 5.3% of deposits in KS, rank 3 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 861 applications, 548 loans originated, $130.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $3.1M approved, $225K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 INTRUST Bank, N.A.
What are INTRUST Bank, N.A.'s total assets?
As of the Q2 2026 filing, INTRUST Bank, N.A. reported total assets of $6.76 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is INTRUST Bank, N.A. headquartered?
INTRUST Bank, N.A. is headquartered in Wichita, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was INTRUST Bank, N.A. founded?
INTRUST Bank, N.A. was established in 1876, per the FDIC institution directory.
Is INTRUST Bank, N.A. FDIC-insured?
Yes. INTRUST Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates INTRUST Bank, N.A.?
INTRUST Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is INTRUST Bank, N.A.'s CET1 capital ratio?
INTRUST Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does INTRUST Bank, N.A. operate?
INTRUST Bank, N.A. operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is INTRUST Bank, N.A.'s Texas Ratio?
INTRUST Bank, N.A.'s Texas Ratio is 4.87% 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.
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