The Bank of Protection
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Protection is an FDIC-insured commercial bank headquartered in Protection, KS, established in 1980 (FDIC certificate 23099), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $154.4M, up 56.8% from Q2 2025, the 114th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23099
- Headquarters
- Protection, KS
- Established
- 1980
- Total assets, Q2 2026
- $154.4M
- Assets vs Q2 2025
- +56.8%
- Tier 1 leverage ratio, Q2 2026
- 11.81%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101103084
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Protection call report
- Holding company
- PROTECTION BANK HOLDING COMPANY, INC., THE
- Asset rank in state
- 114th of 182 in Kansas
The Bank of Protection is growing quickly. It reported $154 million in assets at June 30, 2026, up 56.8% from a year earlier. It grew its loan book 69.5% over the year, 12.7 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $633,000, 54% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.1 million equal 12% of Tier 1 capital, down from 17% a year earlier.
As of June 30, 2026, The Bank of Protection reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Protection is the 114th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $154.4M, loans rose 5.6% and deposits rose 4.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 53.4% of total loans, ahead of farmland and other real estate loans at 29.6%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in KS; its Protection office books 28% of its branch deposits. On its Q2 2026 call report, The Bank of Protection meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 302 N Broadway, Protection, KS 67127
- County
- Comanche
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 2, 1980
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $122.0M
- Allowance for credit losses
- $985K
- Net charge-offs (YTD)
- $0
- Average total assets
- $153.6M
- Average total loans
- $104.0M
- Average interest-bearing deposits
- $89.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 1980
- FDIC Cert
- 23099
- Fed RSSD
- 531157
- Website
- www.bankofprotection.com →
- Parent Holding Company
- PROTECTION BANK HOLDING COMPANY, INC., THE (RSSD 1062939)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Protection reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Protection's total assets ranged from $85.3M (Q3 2023) to $154.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$154.4M total assets against $98.5M; $136.9M total liabilities against $85.3M.
$107.5M net loans and leases against $63.3M; $122.0M total deposits against $77.0M.
$32.4M securities against $24.3M; $3.2M cash and balances due against $2.6M.
$2.2M total interest income against $1.4M; $633K total interest expense against $455K.
$1.6M net interest income against $940K.
$75K total noninterest income against $64K; $855K total noninterest expense against $488K.
$0 provision for credit losses against $0.
$633K net income against $411K.
1.65% return on assets against 1.69%; 4.60% net interest margin against 4.30%.
11.81% tier 1 leverage ratio against 15.63%.
Inside the full The Bank of Protection terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Protection rankings
Its closest position to the top of a national ranking is 449 of 3,606, for efficiency ratio; its furthest is 3,106 of 3,640, for Texas Ratio.
Banks merged into The Bank of Protection
- The Haviland State Bank, effective October 4, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.36% (Q4 2025) to 1.83% (Q1 2025) and its net interest margin ran from 4.20% (Q3 2024) to 4.72% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.81% | 1.65% | 0.01% | 0.28% | 4.60% |
| Q1 2026 | 11.79% | 1.50% | 0.23% | 1.35% | 4.72% |
| Q4 2025 | 12.24% | 1.36% | 0.06% | 0.35% | 4.43% |
| Q3 2025 | 15.93% | 1.37% | 0.10% | 0.57% | 4.24% |
| Q2 2025 | 15.63% | 1.69% | 0.07% | 0.63% | 4.30% |
| Q1 2025 | 15.18% | 1.83% | 0.78% | 3.79% | 4.36% |
| Q4 2024 | 15.45% | 1.36% | 0.00% | 0.34% | 4.37% |
| Q3 2024 | 15.14% | 1.70% | 0.00% | 0.33% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Protection | Protection , KS | 67127 | $34.3M |
| Haviland Branch | Haviland , KS | 67059 | $31.0M |
| Coldwater Branch | Coldwater , KS | 67029 | $25.6M |
| 722 Main Street Branch | Ashland , KS | 67831 | $25.3M |
| Mullinville State Bank - Branch of Haviland State Bank | Mullinville , KS | 67109 | $5.9M |
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 |
|---|---|---|---|
| October 4, 2025 | Structure Change | Acquired The Haviland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 2010 | Structure Change | Acquired The Coldwater Native Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2007 | Structure Change | Acquired The Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 141 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Protection
What are The Bank of Protection's total assets?
As of the Q2 2026 filing, The Bank of Protection reported total assets of $154.4 million in its FFIEC call report.
Where is The Bank of Protection headquartered?
It is headquartered in Protection, KS, United States.
When was The Bank of Protection founded?
It was established in 1980, per the FDIC institution directory.
Is The Bank of Protection FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Protection?
The Bank of Protection's primary federal regulator is the FDIC.
How many branches does The Bank of Protection operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Protection's Texas Ratio?
Its Texas Ratio is 0.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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