Bank of the Plains
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Plains is an FDIC-insured commercial bank headquartered in Plains, KS, established in 1906 (FDIC certificate 18118), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $445.6M, up 0.9% from Q2 2025, the 49th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18118
- Headquarters
- Plains, KS
- Established
- 1906
- Total assets, Q2 2026
- $445.6M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 11.85%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 101109923
- Latest call report
- Q2 2026, FFIEC 051 · Bank of the Plains call report
- Holding company
- PLAINS BANCSHARES, INC.
- Asset rank in state
- 49th of 182 in Kansas
Bank of the Plains operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $446 million at June 30, 2026; it is based in Plains, Kansas. It holds common equity equal to 11.85% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it keeps 4.50 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.3 million, 83% above the same quarter a year earlier. Its $50 million commercial and industrial book is improving, with 0.26% past due or on nonaccrual, down from 1.37% a year earlier.
As of June 30, 2026, Bank of the Plains reported a CET1 capital ratio of 11.85%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 4.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of the Plains is the 49th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $445.6M, loans rose 3.8% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.1% of total loans, followed by commercial and industrial loans at 15.8%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in KS; its Plains office books 23% of its branch deposits. Judged on its Q2 2026 call report, Bank of the Plains meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 411 Grand Ave, Plains, KS 67869
- County
- Meade
- 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
- January 1, 1906
- Former names
- The Plains State Bank (1970-2023)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $390.5M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $443.2M
- Average total loans
- $308.2M
- Average interest-bearing deposits
- $332.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 25, 1959
- FDIC Cert
- 18118
- Fed RSSD
- 302553
- Website
- www.bankoftheplains.com →
- Parent Holding Company
- PLAINS BANCSHARES, INC. (RSSD 4552981)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of the Plains's total assets ran between $409.5M (Q3 2023) and $445.9M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$445.6M total assets against $441.8M; $401.7M total liabilities against $400.7M.
$313.2M net loans and leases against $305.7M; $390.5M total deposits against $385.8M.
$78.2M securities against $79.7M; $29.2M cash and balances due against $30.9M.
$6.4M total interest income against $6.2M; $1.8M total interest expense against $2.0M.
$4.7M net interest income against $4.2M.
$461K total noninterest income against $439K; $3.3M total noninterest expense against $3.4M.
$165K provision for credit losses against $344K.
$1.3M net income against $732K.
1.21% return on assets against 0.66%; 4.50% net interest margin against 4.11%.
11.85% CET1 capital ratio against 11.44%; 9.30% tier 1 leverage ratio against 8.82%.
Inside the full Bank of the Plains terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of the Plains rankings
Its closest position to the top of a national ranking is 1,520 of 3,640, for Texas Ratio; its furthest is 1,754 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q1 2025) to 2.31% (Q1 2026) and its net interest margin ran from 4.04% (Q1 2025) to 4.50% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 1.21% | 0.44% | 4.18% | 4.50% |
| Q1 2026 | 12.24% | 2.31% | 0.49% | 4.57% | 4.31% |
| Q4 2025 | 11.65% | 0.67% | 0.50% | 4.71% | 4.35% |
| Q3 2025 | 11.74% | 0.79% | 0.74% | 5.73% | 4.11% |
| Q2 2025 | 11.44% | 0.66% | 0.61% | 5.25% | 4.11% |
| Q1 2025 | 10.95% | 0.57% | 0.65% | 5.58% | 4.04% |
| Q4 2024 | 10.49% | 0.72% | 0.74% | 6.62% | 4.36% |
| Q3 2024 | 10.72% | 0.69% | 0.52% | 4.40% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Bank of the Plains (main office) | Plains , KS | 67869 | $90.4M |
| Anthony Branch | Anthony , KS | 67003 | $82.7M |
| Salina Branch | Salina , KS | 67401 | $55.5M |
| Harper Branch | Harper , KS | 67058 | $51.4M |
| Great Bend Branch | Great Bend , KS | 67530 | $36.2M |
| Hutchinson Branch | Hutchinson , KS | 67502 | $30.5M |
| Sterling Branch | Sterling , KS | 67579 | $28.2M |
| Liberal Branch | Liberal , KS | 67901 | $15.5M |
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 |
|---|---|---|---|
| August 30, 2023 | Structure Change | Acquired The Alden State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 2018 | Structure Change | Acquired Bank VI 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 61 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $87K approved, $87K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Bank of the Plains
What are Bank of the Plains's total assets?
As of the Q2 2026 filing, Bank of the Plains reported total assets of $445.6 million in its FFIEC call report.
Where is Bank of the Plains headquartered?
It is headquartered in Plains, KS, United States.
When was Bank of the Plains founded?
It was established in 1906, per the FDIC institution directory.
Is Bank of the Plains FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Plains?
Bank of the Plains's primary federal regulator is the FDIC.
What is Bank of the Plains's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the Plains operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Plains's Texas Ratio?
Its Texas Ratio is 4.18% 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.
What was Bank of the Plains previously called?
The charter now named Bank of the Plains has also operated as The Plains State Bank (1970-2023), per FDIC structure-change records.
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