The Bennington State Bank
BankRegReports is independent of The Bennington State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Bennington State Bank is an FDIC-insured commercial bank headquartered in Salina, KS, established in 1884 (FDIC certificate 16402), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.42B, up 27.5% from Q2 2025, the 12th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.85% 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
- 16402
- Headquarters
- Salina, KS
- Established
- 1884
- Total assets, Q2 2026
- $1.42B
- Assets vs Q2 2025
- +27.5%
- CET1 ratio, Q2 2026
- 13.85%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 101104928
- Holding company
- BERCO, INC.
- Asset rank in state
- 12th of 182 in Kansas
The Bennington State Bank is one of the more profitable banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, up 27.5% from a year earlier; it is based in Salina, Kansas. It earns about $2.62 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Net income for the quarter rose 30% from a year earlier, to $9.1 million. Over the same year, loans grew 15.6% and deposits grew 29.7%. Where it has less room is capital: it funds 9.51% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, The Bennington State Bank reported a CET1 capital ratio of 13.85%, a return on assets of 2.62%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bennington State Bank is the 12th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 13.6% to $1.42B, loans rose 8.9% and deposits rose 15.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.8% of total loans, ahead of owner-occupied commercial real estate loans at 16.7%. The FDIC Summary of Deposits lists 15 offices for it, in 13 cities in KS; its Salina 2 offices book 56% of its branch deposits. On its Q2 2026 call report, The Bennington State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2130 S Ohio St, Salina, KS 67401
- County
- Saline
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 169
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $17.8M
- Net charge-offs (YTD)
- $60K
- Average total assets
- $1.39B
- Average total loans
- $895.4M
- Average interest-bearing deposits
- $1.15B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 4, 1946
- FDIC Cert
- 16402
- Fed RSSD
- 1016259
- Website
- www.bsbks.com →
- Parent Holding Company
- BERCO, INC. (RSSD 1051906)
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
From Q3 2023 to Q2 2026, The Bennington State Bank's total assets ranged from $973.1M (Q3 2024) to $1.42B (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
$1.42B total assets against $1.11B; $1.29B total liabilities against $997.1M.
$883.8M net loans and leases against $762.5M; $1.22B total deposits against $943.8M.
$351.4M securities against $263.7M; $93.4M cash and balances due against $47.3M.
$19.7M total interest income against $15.7M; $6.0M total interest expense against $4.9M.
$13.7M net interest income against $10.7M.
$2.4M total noninterest income against $2.0M; $6.7M total noninterest expense against $5.4M.
$195K provision for credit losses against $195K.
$9.1M net income against $7.0M.
2.62% return on assets against 2.50%; 4.03% net interest margin against 3.96%.
13.85% CET1 capital ratio against 15.44%; 9.51% tier 1 leverage ratio against 11.24%.
Inside the full The Bennington State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bennington State Bank rankings
Its closest position to the top of a national ranking is 134 of 3,611, for ROA; its furthest is 2,304 of 3,640, for Texas Ratio.
Metric pages for The Bennington State Bank: ROA, Efficiency ratio.
Banks merged into The Bennington State Bank
- Flint Hills Bank, effective April 8, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.92% (Q4 2024) to 2.62% (Q2 2026) and its net interest margin ran from 3.15% (Q3 2024) to 4.03% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.85% | 2.62% | 0.29% | 1.89% | 4.03% |
| Q1 2026 | 15.34% | 2.40% | 0.30% | 1.82% | 3.93% |
| Q4 2025 | 14.79% | 2.35% | 0.16% | 0.95% | 3.94% |
| Q3 2025 | 15.76% | 2.47% | 0.29% | 1.72% | 4.00% |
| Q2 2025 | 15.44% | 2.50% | 0.25% | 1.55% | 3.96% |
| Q1 2025 | 14.72% | 2.01% | 0.20% | 1.29% | 3.68% |
| Q4 2024 | 15.12% | 1.92% | 0.20% | 1.66% | 3.29% |
| Q3 2024 | 17.22% | 2.25% | 0.30% | 1.81% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 Bennington State Bank | Salina , KS | 67401 | $688.9M |
| Wanamaker Branch | Topeka , KS | 66614 | $74.5M |
| Minneapolis Branch | Minneapolis , KS | 67467 | $73.0M |
| The Bennington State Bank, Wamego | Wamego , KS | 66547 | $60.7M |
| Bennington Branch | Bennington , KS | 67422 | $57.0M |
| Bank of Osage City Branch | Osage City , KS | 66523 | $56.1M |
| Hartford State Bank Branch | Hartford , KS | 66854 | $39.6M |
| Wichita West Branch | Wichita , KS | 67205 | $30.5M |
| Burlingame Branch | Burlingame , KS | 66413 | $30.5M |
| Flint Hills Bank Branch | Eskridge , KS | 66423 | $26.5M |
| Abilene Branch | Abilene , KS | 67410 | $26.0M |
| Lucas Branch | Lucas , KS | 67648 | $21.8M |
| Sylvan Branch | Sylvan Grove , KS | 67481 | $20.3M |
| Alliance Bank | Topeka , KS | 66606 | $19.0M |
| Salina Branch | Salina , KS | 67401 | $0 |
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 |
|---|---|---|---|
| April 8, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 8, 2026 | Structure Change | Acquired Flint Hills Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2024 | Structure Change | Acquired Alliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 24, 2010 | Structure Change | Acquired Thunder Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 22, 1986 | Structure Change | Acquired United Bank of Minneapolis Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 21, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in KS, rank 18 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 342 applications, 288 loans originated, $65.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $243K approved, $243K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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
Add this badge to your website
Free to use. It shows The Bennington State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Bennington State Bank with peers
Frequently asked about The Bennington State Bank
What are The Bennington State Bank's total assets?
As of the Q2 2026 filing, The Bennington State Bank reported total assets of $1.42 billion in its FFIEC call report.
Where is The Bennington State Bank headquartered?
It is headquartered in Salina, KS, United States.
When was The Bennington State Bank founded?
It was established in 1884, per the FDIC institution directory.
Is The Bennington State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16402). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bennington State Bank?
The Bennington State Bank's primary federal regulator is the FDIC.
What is The Bennington State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.85% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bennington State Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bennington State Bank's Texas Ratio?
Its Texas Ratio is 1.89% 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.
Go deeper on The Bennington State Bank.
Get an email when The Bennington State Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Bennington State Bank, freeFree account