Bank of the Flint Hills: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 26570.64 percentage points higher than in Q1 2026, at 26910.00%. Bank of the Flint Hills ranks 70th of 182 Kansas banks on return on assets, in the upper half at 1.61% (Q2 2026). Bank of the Flint Hills reported 1.61% on return on assets for Q2 2026, 0.36 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.03% |
| Tier 1 risk-based capital ratio | 10.03% |
| Total risk-based capital ratio | 11.22% |
| Tier 1 leverage ratio | 8.65% |
| Equity capital to assets | 7.69% |
| Tangible equity to tangible assets | 7.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.89% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 26910.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 20.21% |
| Net interest margin | 4.21% |
| Efficiency ratio | 60.44% |
| Yield on earning assets | 6.21% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.37% |
| Core deposits to total deposits | 93.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.86% |
| Securities to assets | 11.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.21% | 10.21% | 11.38% | 8.77% | 0.95% |
| Q4 2023 | 10.50% | 10.50% | 11.60% | 8.97% | 1.07% |
| Q1 2024 | 10.67% | 10.67% | 11.81% | 9.15% | 1.28% |
| Q2 2024 | 10.60% | 10.60% | 11.76% | 9.05% | 1.28% |
| Q3 2024 | 11.05% | 11.05% | 12.29% | 8.97% | 1.32% |
| Q4 2024 | 10.59% | 10.59% | 11.80% | 9.11% | 1.36% |
| Q1 2025 | 10.37% | 10.37% | 11.55% | 8.87% | 1.52% |
| Q2 2025 | 10.30% | 10.30% | 11.50% | 8.80% | 1.46% |
| Q3 2025 | 10.35% | 10.35% | 11.57% | 8.68% | 1.63% |
| Q4 2025 | 10.28% | 10.28% | 11.49% | 8.59% | 1.66% |
| Q1 2026 | 10.47% | 10.47% | 11.71% | 8.55% | 1.53% |
| Q2 2026 | 10.03% | 10.03% | 11.22% | 8.65% | 1.61% |
Bank of the Flint Hills vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Flint Hills, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of the Flint Hills profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4791) · FFIEC NIC profile (RSSD 552059)