VENTURA NATIONAL BANK & TRUST
VENTURA NATIONAL BANK & TRUST is an FDIC-insured commercial bank headquartered in HARVEYVILLE, KS, established in 1920. As of , the bank reported total assets of $63M and total deposits of $54M. Profitability stands at -0.63% ROA and -4.07% ROE, with a net interest margin of 2.94%. CET1 capital ratio: 13.99%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Ventura National Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 13.99% | -0.63% | 0.00% | 0.00% | 2.94% |
| 2025-09-30 | 17.42% | -0.42% | 0.00% | 0.00% | 3.60% |
| 2025-06-30 | 34.83% | -0.95% | 0.00% | 0.00% | 4.81% |
| 2025-03-31 | 43.14% | 0.06% | 0.00% | 0.00% | 4.56% |
| 2024-12-31 | 41.25% | -2.73% | 0.00% | 0.00% | 2.83% |
| 2024-09-30 | 17.73% | 0.57% | 0.11% | 0.53% | 3.83% |
| 2024-06-30 | 17.73% | 0.22% | 0.11% | 0.53% | 3.67% |
| 2024-03-31 | 9.57% | 0.30% | 0.12% | 0.60% | 3.60% |
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Frequently asked about VENTURA NATIONAL BANK & TRUST
What are Ventura National Bank & Trust's total assets?
As of the Q4 2025 filing, Ventura National Bank & Trust reported total assets of $63.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ventura National Bank & Trust headquartered?
Ventura National Bank & Trust is headquartered in HARVEYVILLE, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Ventura National Bank & Trust founded?
Ventura National Bank & Trust was established in 1920, per the FDIC institution directory.
Is Ventura National Bank & Trust FDIC-insured?
Yes. Ventura National Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #4683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ventura National Bank & Trust?
Ventura National Bank & Trust'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 Ventura National Bank & Trust's CET1 capital ratio?
Ventura National Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 13.99% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Ventura National Bank & Trust operate?
Ventura National Bank & Trust operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Ventura National Bank & Trust's Texas Ratio?
Ventura National Bank & Trust's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.