Armed Forces Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Armed Forces Bank, N.A.. Its balance sheet stood at $1.4 billion at June 30, 2026; it is based in Fort Leavenworth, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.21% of loans from 0.13% a year earlier. It pays an average of 1.03% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 24.61% of its risk-weighted assets, about double the median of 13.52% for banks its size.
Delinquency has appeared in its $155 million commercial and industrial book: 4.52% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 23% from a year earlier, to $5.9 million.
As of June 30, 2026, Armed Forces Bank, N.A. reported a CET1 capital ratio of 24.61%, a return on assets of 1.69%, a nonperforming-loan ratio of 1.20% and a Texas ratio of 4.88%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 320 Kansas Ave, Fort Leavenworth, KS 66027
- County
- Leavenworth
- Metro Area
- Kansas City, MO-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 051
- Established
- January 1, 1907
- Former names
- Army National Bank (1990-1997)
- Offices
- 15 domestic
- Employees (FTE)
- 251
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $11.9M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $1.40B
- Average total loans
- $760.2M
- Average interest-bearing deposits
- $848.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4666
- Fed RSSD
- 983457
- Website
- afbank.com →
- Parent Holding Company
- DICKINSON FINANCIAL CORPORATION (RSSD 1399484)
- Ultimate Parent
- DICKINSON FINANCIAL CORPORATION II (RSSD 2107707)
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 Armed Forces Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Armed Forces Bank, N.A., freeArmed Forces 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 | 24.61% | 1.69% | 1.20% | 4.88% | 4.03% |
| Q1 2026 | 23.04% | 1.78% | 2.16% | 9.50% | 3.98% |
| Q4 2025 | 22.43% | 1.73% | 1.19% | 5.48% | 4.06% |
| Q3 2025 | 23.39% | 1.52% | 1.12% | 4.90% | 4.00% |
| Q2 2025 | 24.31% | 1.37% | 1.47% | 6.29% | 3.77% |
| Q1 2025 | 23.93% | 1.33% | 0.36% | 1.59% | 3.78% |
| Q4 2024 | 22.78% | 1.38% | 0.40% | 1.98% | 3.77% |
| Q3 2024 | 21.49% | 1.69% | 0.44% | 2.14% | 3.79% |
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 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Armed Forces Bank, N.A. (main office) | Fort Leavenworth , KS | 66027 | $333.0M |
| Nellis Air Force Base Branch | Nellis Air Force Base , NV | 89191 | $96.4M |
| Fort Lewis Branch | Fort Lewis , WA | 98433 | $91.9M |
| Community Center Branch | Fort Knox , KY | 40121 | $89.9M |
| Fort Carson Facility | Fort Carson , CO | 80913 | $86.0M |
| Leavenworth Limit Branch # 32 | Leavenworth , KS | 66048 | $84.6M |
| Fort Huachuca Branch | Fort Huachuca , AZ | 85670 | $76.7M |
| Mcchord Air Force Branch | Mcchord Afb , WA | 98438 | $69.2M |
| Fort Leonard Wood Branch | Fort Leonard Wood , MO | 65473 | $56.8M |
| Fort Bliss Branch | El Paso , TX | 79906 | $56.1M |
| Luke Air Force Base Branch | Glendale , AZ | 85307 | $55.9M |
| Fort Myer Branch | Fort Myer , VA | 22211 | $48.9M |
| Great Lakes Branch | Great Lakes , IL | 60088 | $39.2M |
| Junction City Branch | Junction City , KS | 66441 | $33.9M |
| Drive-Up Facility | Fort Carson , CO | 80913 | $0 |
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 |
|---|---|---|---|
| June 20, 2015 | Structure Change | Acquired Armed Forces Bank of California, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 2010 | Structure Change | Acquired Bank Midwest, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2006 | Structure Change | Acquired Fort Riley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1989 | Structure Change | Acquired Fort Carson National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Armed Forces 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
- 2 against the institution (OCC); 1 against individuals associated with it
- December 14, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Armed Forces Bank, National Association
- May 11, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Armed Forces Bank, National Association
- Period: Most recent institution action December 14, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in KS, rank 54 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,314 applications, 1,339 loans originated, $610.6M originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. 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 Armed Forces Bank, N.A.
What are Armed Forces Bank, N.A.'s total assets?
As of the Q2 2026 filing, Armed Forces Bank, N.A. reported total assets of $1.42 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Armed Forces Bank, N.A. headquartered?
Armed Forces Bank, N.A. is headquartered in Fort Leavenworth, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Armed Forces Bank, N.A. founded?
Armed Forces Bank, N.A. was established in 1907, per the FDIC institution directory.
Is Armed Forces Bank, N.A. FDIC-insured?
Yes. Armed Forces Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Armed Forces Bank, N.A.?
Armed Forces 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 Armed Forces Bank, N.A.'s CET1 capital ratio?
Armed Forces Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 24.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Armed Forces Bank, N.A. operate?
Armed Forces Bank, N.A. operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Armed Forces Bank, N.A.'s Texas Ratio?
Armed Forces Bank, N.A.'s Texas Ratio is 4.88% 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 Armed Forces Bank, N.A. previously called?
The charter now named Armed Forces Bank, N.A. has also operated as Army National Bank (1990-1997), per FDIC structure-change records.
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