The Bank of Tescott
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Tescott is an FDIC-insured commercial bank headquartered in Tescott, KS, established in 1887 (FDIC certificate 1868), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $648.3M, up 4.2% from Q2 2025, the 30th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.62% 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
- 1868
- Headquarters
- Tescott, KS
- Established
- 1887
- Total assets, Q2 2026
- $648.3M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 10.62%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101106285
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Tescott call report
- Holding company
- TESCOTT BANCSHARES, INC.
- Asset rank in state
- 30th of 182 in Kansas
Little in The Bank of Tescott's latest call report stands out. It reported $648 million in assets at June 30, 2026, up 4.2% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $2.7 million, 45% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.34% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, The Bank of Tescott reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.60%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Bank of Tescott is the 30th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $648.3M, loans rose 4.5% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 41.5% of total loans, followed by 1-4 family residential loans at 31.6%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in KS; its Salina 2 offices book 40% of its branch deposits. Judged on its Q2 2026 call report, The Bank of Tescott meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S Main St, Tescott, KS 67484
- County
- Ottawa
- Metro Area
- Salina, KS
- 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 041
- Established
- January 1, 1887
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $574.3M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $652.6M
- Average total loans
- $480.5M
- Average interest-bearing deposits
- $502.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1868
- Fed RSSD
- 54058
- Website
- www.bankoftescott.com →
- Parent Holding Company
- TESCOTT BANCSHARES, INC. (RSSD 1841004)
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 Tescott reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Bank of Tescott's total assets moved between a low of $433.0M (Q3 2023) and a high of $648.3M (Q2 2026) from Q3 2023 to 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
$648.3M total assets against $622.4M; $581.2M total liabilities against $561.0M.
$483.0M net loans and leases against $457.3M; $574.3M total deposits against $530.0M.
$124.0M securities against $119.1M; $23.0M cash and balances due against $25.6M.
$9.2M total interest income against $7.3M; $3.4M total interest expense against $3.1M.
$5.9M net interest income against $4.2M.
$423K total noninterest income against $573K; $3.5M total noninterest expense against $2.8M.
No provision recorded in the last 12 quarters.
$2.7M net income against $1.9M.
1.66% return on assets against 1.42%; 3.68% net interest margin against 3.24%.
10.62% tier 1 leverage ratio against 12.20%.
Inside the full The Bank of Tescott terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Tescott rankings
Its closest position to the top of a national ranking is 973 of 3,611, for ROA; its furthest is 2,904 of 3,640, for Texas Ratio.
Banks merged into The Bank of Tescott
- First Bank of Beloit, effective June 23, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.29% (Q4 2024) to 1.81% (Q1 2026) and its net interest margin ran from 3.08% (Q4 2024) to 3.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.62% | 1.66% | 0.08% | 0.60% | 3.68% |
| Q1 2026 | 10.46% | 1.81% | 0.19% | 1.32% | 3.65% |
| Q4 2025 | 10.79% | 1.38% | 0.13% | 0.91% | 3.50% |
| Q3 2025 | 10.78% | 1.53% | 0.26% | 1.81% | 3.53% |
| Q2 2025 | 12.20% | 1.42% | 0.20% | 1.55% | 3.24% |
| Q1 2025 | 13.59% | 1.41% | 0.14% | 0.89% | 3.15% |
| Q4 2024 | 13.87% | 1.29% | 0.14% | 0.90% | 3.08% |
| Q3 2024 | 14.10% | 1.41% | 0.18% | 1.06% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Salina Branch | Salina , KS | 67401 | $118.9M |
| Salina Branch | Salina , KS | 67401 | $111.9M |
| First Bank of Beloit Branch | Beloit , KS | 67420 | $101.8M |
| The Bank of Tescott | Tescott , KS | 67484 | $101.1M |
| Saline Valley Branch | Lincoln , KS | 67455 | $96.6M |
| Lindsborg Branch | Lindsborg , KS | 67456 | $44.1M |
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 |
|---|---|---|---|
| June 23, 2025 | Structure Change | Acquired First Bank of Beloit Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 20, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1995 | Structure Change | Acquired The Saline Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 1990 | Structure Change | Acquired First Federal Savings Bank of Kansas 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in KS, rank 40 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 Tescott
What are The Bank of Tescott's total assets?
As of the Q2 2026 filing, The Bank of Tescott reported total assets of $648.3 million in its FFIEC call report.
Where is The Bank of Tescott headquartered?
It is headquartered in Tescott, KS, United States.
When was The Bank of Tescott founded?
It was established in 1887, per the FDIC institution directory.
Is The Bank of Tescott FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1868). 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 Tescott?
The Bank of Tescott's primary federal regulator is the FDIC.
How many branches does The Bank of Tescott operate?
It operates 6 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 Tescott's Texas Ratio?
Its Texas Ratio is 0.60% 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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