The First State Bank of Ransom
Also written as FSB of Ransom
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Data as of · sourced from FFIEC call reports. How we update
The First State Bank of Ransom is an FDIC-insured commercial bank headquartered in Ransom, KS (FDIC certificate 15469), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $48.9M, up 1.0% from Q2 2025, the 166th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 32.77% 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
- 15469
- Headquarters
- Ransom, KS
- Established
- Not reported
- Total assets, Q2 2026
- $48.9M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 32.77%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101110080
- Latest call report
- Q2 2026, FFIEC 041 · The First State Bank of Ransom Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- WEST 4 BANCSHARES, INC.
- Asset rank in state
- 166th of 182 in Kansas
The First State Bank of Ransom, based in Ransom, Kansas, reported $49 million in assets at June 30, 2026. It keeps 2.89 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it funds 20.06% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 12.81%).
Earnings jumped: net income for the quarter was $185,000, 140% above the same quarter a year earlier. Over the same year, loans grew 4.2% and deposits grew 0.1%.
As of June 30, 2026, The First State Bank of Ransom reported a CET1 capital ratio of 32.77%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The First State Bank of Ransom is the 166th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $48.9M, loans rose 10.8% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by agricultural production loans, at 40.7% of total loans, followed by farmland and other real estate loans at 28.7%. Its 2 offices in the FDIC Summary of Deposits are in Ransom, KS and Utica, KS; its Ransom office books 83% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First State Bank of Ransom meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 306 S Vermont Ave, Ransom, KS 67572
- County
- Ness
- 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 041
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $39.9M
- Allowance for credit losses
- $429K
- Net charge-offs (YTD)
- $8K
- Average total assets
- $49.7M
- Average total loans
- $22.1M
- Average interest-bearing deposits
- $31.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 4, 1937
- FDIC Cert
- 15469
- Fed RSSD
- 471057
- Website
- fsbransom.com →
- Parent Holding Company
- WEST 4 BANCSHARES, INC. (RSSD 5947294)
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 First State Bank of Ransom's total assets ran between $46.3M (Q2 2024) and $49.1M (Q4 2023), 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
$48.9M total assets against $48.5M; $40.2M total liabilities against $40.1M.
$22.3M net loans and leases against $21.4M; $39.9M total deposits against $39.9M.
$21.7M securities against $23.0M; $3.0M cash and balances due against $2.1M.
$498K total interest income against $486K; $171K total interest expense against $182K.
$327K net interest income against $304K.
$32K total noninterest income against $34K; $220K total noninterest expense against $217K.
$0 provision for credit losses against $29K.
$185K net income against $77K.
1.49% return on assets against 0.66%; 2.89% net interest margin against 2.75%.
32.77% CET1 capital ratio against 33.54%; 20.06% tier 1 leverage ratio against 21.21%.
Inside the full The First State Bank of Ransom terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q4 2024) to 1.49% (Q2 2026) and its net interest margin ran from 2.26% (Q3 2024) to 2.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.77% | 1.49% | 0.34% | 0.84% | 2.89% |
| Q1 2026 | 34.73% | 0.85% | 0.56% | 1.27% | 2.69% |
| Q4 2025 | 34.80% | 0.47% | 0.41% | 0.93% | 2.67% |
| Q3 2025 | 34.27% | 0.78% | 0.42% | 0.96% | 2.69% |
| Q2 2025 | 33.54% | 0.66% | 0.41% | 1.03% | 2.75% |
| Q1 2025 | 36.90% | 0.74% | 0.32% | 0.69% | 2.51% |
| Q4 2024 | 37.33% | 0.43% | 0.33% | 0.73% | 2.33% |
| Q3 2024 | 37.93% | 0.60% | 0.40% | 0.82% | 2.26% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 First State Bank of Ransom | Ransom , KS | 67572 | $33.0M |
| Utica Branch | Utica , KS | 67584 | $7.0M |
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 2, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1990 | Structure Change | Acquired The Citizens State Bank of Utica Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 5, 1967 | Structure Change | Acquired Farmers State Bank 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 202 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $145K approved, $145K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 First State Bank of Ransom
What are The First State Bank of Ransom's total assets?
As of the Q2 2026 filing, The First State Bank of Ransom reported total assets of $48.9 million in its FFIEC call report.
Where is The First State Bank of Ransom headquartered?
It is headquartered in Ransom, KS, United States.
Is The First State Bank of Ransom FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First State Bank of Ransom?
The First State Bank of Ransom's primary federal regulator is the FDIC.
What is The First State Bank of Ransom's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 32.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First State Bank of Ransom operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First State Bank of Ransom's Texas Ratio?
Its Texas Ratio is 0.84% 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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