Bendena State Bank
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Data as of · sourced from FFIEC call reports. How we update
Bendena State Bank is an FDIC-insured commercial bank headquartered in Bendena, KS, established in 1904 (FDIC certificate 17410), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $131.5M, up 21.3% from Q2 2025, the 120th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.76% 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
- 17410
- Headquarters
- Bendena, KS
- Established
- 1904
- Total assets, Q2 2026
- $131.5M
- Assets vs Q2 2025
- +21.3%
- CET1 ratio, Q2 2026
- 14.76%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101107404
- Holding company
- BENDENA BANCSHARES, INC.
- Asset rank in state
- 120th of 182 in Kansas
Bendena State Bank is growing quickly. Its balance sheet stood at $132 million at June 30, 2026, up 21.3% from a year earlier; it is based in Bendena, Kansas. It grew its loan book 22.7% over the year, 4.2 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).
Net income for the quarter rose 21% from a year earlier, to $541,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $917,000 equal 7% of Tier 1 capital, down from 15% a year earlier.
As of June 30, 2026, Bendena State Bank reported a CET1 capital ratio of 14.76%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 1.12%. The figures come from its call report filed with the FFIEC.
Bendena State Bank ranks as the 120th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $131.5M, loans rose 2.5% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 31.9% of total loans, followed by farmland and other real estate loans at 27.5%. The FDIC Summary of Deposits lists 3 offices for it, in Bendena, KS, Highland, KS and Denton, KS; its Bendena office books 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bendena State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 933 Friendship Rd, Bendena, KS 66008
- County
- Doniphan
- Metro Area
- St. Joseph, MO-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 051
- Established
- January 1, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $114.7M
- Allowance for credit losses
- $929K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $131.3M
- Average total loans
- $86.3M
- Average interest-bearing deposits
- $83.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 17, 1955
- FDIC Cert
- 17410
- Fed RSSD
- 1008151
- Website
- www.bendenastatebank.com →
- Parent Holding Company
- BENDENA BANCSHARES, INC. (RSSD 1056648)
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, Bendena State Bank's total assets ran between $104.0M (Q3 2023) and $132.2M (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
$131.5M total assets against $108.4M; $118.6M total liabilities against $99.2M.
$85.8M net loans and leases against $69.9M; $114.7M total deposits against $93.6M.
$37.1M securities against $34.5M; $4.4M cash and balances due against $1.2M.
$1.7M total interest income against $1.4M; $476K total interest expense against $389K.
$1.3M net interest income against $991K.
$81K total noninterest income against $60K; $691K total noninterest expense against $520K.
$40K provision for credit losses against $30K.
$541K net income against $446K.
1.65% return on assets against 1.66%; 4.10% net interest margin against 3.98%.
14.76% CET1 capital ratio against 14.41%; 9.96% tier 1 leverage ratio against 9.93%.
Inside the full Bendena State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBendena State Bank rankings
Its closest position to the top of a national ranking is 487 of 3,606, for efficiency ratio; its furthest is 3,440 of 4,196, for total assets.
Banks merged into Bendena State Bank
- Bank of Denton, effective October 4, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 1.91% (Q3 2025) and its net interest margin ran from 3.33% (Q3 2024) to 4.10% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.76% | 1.65% | 0.00% | 1.12% | 4.10% |
| Q1 2026 | 14.49% | 1.63% | 0.00% | 1.17% | 4.10% |
| Q4 2025 | 14.21% | 1.35% | 0.00% | 1.28% | 3.89% |
| Q3 2025 | 14.31% | 1.91% | 0.53% | 3.62% | 4.08% |
| Q2 2025 | 14.41% | 1.66% | 0.00% | 0.00% | 3.98% |
| Q1 2025 | 14.35% | 1.73% | 0.00% | 0.00% | 3.81% |
| Q4 2024 | 13.22% | 1.41% | 0.00% | 0.00% | 3.57% |
| Q3 2024 | 13.56% | 1.28% | 0.00% | 0.01% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Bendena State Bank | Bendena , KS | 66008 | $56.6M |
| Highland Branch | Highland , KS | 66035 | $43.0M |
| Bank of Denton Branch | Denton , KS | 66017 | $15.2M |
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 Bank of Denton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2011 | Structure Change | Acquired The Farmers State Bank of Highland, Kansas 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
- 0.1% of deposits in KS, rank 147 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 56 applications, 43 loans originated, $5.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $84K approved, $84K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Bendena State Bank
What are Bendena State Bank's total assets?
As of the Q2 2026 filing, Bendena State Bank reported total assets of $131.5 million in its FFIEC call report.
Where is Bendena State Bank headquartered?
It is headquartered in Bendena, KS, United States.
When was Bendena State Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Bendena State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bendena State Bank?
Bendena State Bank's primary federal regulator is the FDIC.
What is Bendena State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bendena State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bendena State Bank's Texas Ratio?
Its Texas Ratio is 1.12% 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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