The Bank (Oberlin, KS)
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Data as of · sourced from FFIEC call reports. How we update
The Bank is an FDIC-insured commercial bank headquartered in Oberlin, KS, established in 1985 (FDIC certificate 26522), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $617.3M, up 6.8% from Q2 2025, the 33rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 18.10% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26522
- Headquarters
- Oberlin, KS
- Established
- 1985
- Total assets, Q2 2026
- $617.3M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 18.10%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 101105969
- Latest call report
- Q2 2026, FFIEC 051 · The Bank call report
- Holding company
- DECATUR INVESTMENT, INC.
- Asset rank in state
- 33rd of 182 in Kansas
The Bank is one of the more profitable banks of its size. Its balance sheet stood at $617 million at June 30, 2026, up 6.8% from a year earlier; it is based in Oberlin, Kansas. It earns about $2.54 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Deposits are coming in faster than loans: over the year loans rose 3.4% and deposits rose 6.6%. Credit is the area to watch: it carries problem assets equal to 15.3% of the capital and reserves that would absorb them, 5.8 times the median of 2.6% for banks its size.
As of June 30, 2026, The Bank reported a CET1 capital ratio of 18.10%, a return on assets of 2.54%, a nonperforming-loan ratio of 3.45% and a Texas ratio of 15.28%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Bank is the 33rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $617.3M, loans rose 3.9% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 51.1% of total loans, followed by agricultural production loans at 24.0%. The FDIC Summary of Deposits lists 14 offices for it, in 14 cities in KS; its Goodland office books 17% of its branch deposits. Judged on its Q2 2026 call report, The Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 S Penn Ave, Oberlin, KS 67749
- County
- Decatur
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 21, 1985
- Former names
- The Bank (1988)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $540.5M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $622.4M
- Average total loans
- $364.3M
- Average interest-bearing deposits
- $431.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 21, 1985
- FDIC Cert
- 26522
- Fed RSSD
- 333650
- Website
- www.thebankks.com →
- Parent Holding Company
- DECATUR INVESTMENT, INC. (RSSD 1137855)
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, The Bank's total assets ran between $445.5M (Q3 2024) and $620.0M (Q1 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
$617.3M total assets against $577.8M; $542.1M total liabilities against $508.9M.
$370.3M net loans and leases against $357.9M; $540.5M total deposits against $507.2M.
$119.3M securities against $125.2M; $101.1M cash and balances due against $66.6M.
$8.5M total interest income against $8.8M; $1.9M total interest expense against $1.9M.
$6.6M net interest income against $6.9M.
$373K total noninterest income against $362K; $3.1M total noninterest expense against $3.3M.
$0 provision for credit losses against $300K.
$4.0M net income against $3.6M.
2.54% return on assets against 2.46%; 4.50% net interest margin against 4.99%.
18.10% CET1 capital ratio against 16.70%; 11.46% tier 1 leverage ratio against 10.81%.
Inside the full The Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Bank rankings
Its closest position to the top of a national ranking is 117 of 3,606, for efficiency ratio; its furthest is 1,520 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.95% (Q1 2025) to 2.54% (Q2 2026) and its net interest margin ran from 4.17% (Q4 2024) to 5.12% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.10% | 2.54% | 3.45% | 15.28% | 4.50% |
| Q1 2026 | 17.50% | 2.45% | 3.13% | 13.72% | 4.48% |
| Q4 2025 | 16.83% | 2.03% | 3.17% | 14.43% | 4.64% |
| Q3 2025 | 16.66% | 2.52% | 3.19% | 14.49% | 5.12% |
| Q2 2025 | 16.70% | 2.46% | 3.43% | 15.28% | 4.99% |
| Q1 2025 | 15.81% | 1.95% | 3.69% | 15.07% | 4.87% |
| Q4 2024 | 23.86% | 2.13% | 2.49% | 4.12% | 4.17% |
| Q3 2024 | 21.13% | 2.07% | 3.21% | 9.59% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Bankwest of Kansas Branch | Goodland , KS | 67735 | $92.5M |
| Atwood Branch | Atwood , KS | 67730 | $59.1M |
| Quinter Branch | Quinter , KS | 67752 | $56.8M |
| Colby Branch | Colby , KS | 67701 | $55.6M |
| The Bank | Oberlin , KS | 67749 | $52.6M |
| Norton Branch | Norton , KS | 67654 | $34.0M |
| Bird City Branch | Bird City , KS | 67731 | $31.8M |
| Winona Branch | Winona , KS | 67764 | $30.6M |
| Oakley Branch | Oakley , KS | 67748 | $27.0M |
| St Francis Branch | St. Francis , KS | 67756 | $25.2M |
| Selden Branch | Selden , KS | 67757 | $24.5M |
| Gorham Branch | Gorham , KS | 67640 | $21.7M |
| The Bank of Grainfield Branch | Grainfield , KS | 67737 | $18.4M |
| Victoria Branch | Victoria , KS | 67671 | $10.7M |
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 |
|---|---|---|---|
| January 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2025 | Structure Change | Acquired Bankwest of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2023 | Structure Change | Acquired The Gorham State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Structure Change | Acquired The Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Structure Change | Acquired State Bank of Atwood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1991 | Structure Change | Acquired The Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 15, 1988 | Structure Change | Acquired Jennings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 14, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1985 | Structure Change | Acquired Decatur County National Bank of Oberlin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 21, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in KS, rank 44 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $2.0M approved, $201K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
What are The Bank's total assets?
As of the Q2 2026 filing, The Bank reported total assets of $617.3 million in its FFIEC call report.
Where is The Bank headquartered?
It is headquartered in Oberlin, KS, United States.
When was The Bank founded?
It was established in 1985, per the FDIC institution directory.
Is The Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank?
The Bank's primary federal regulator is the FDIC.
What is The Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank operate?
It operates 14 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's Texas Ratio?
Its Texas Ratio is 15.28% 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.
What was The Bank previously called?
The charter now named The Bank has also operated as The Bank (1988), per FDIC structure-change records.
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