Fusion Bank
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Data as of · sourced from FFIEC call reports. How we update
Fusion Bank is an FDIC-insured commercial bank headquartered in Larned, KS, established in 1896 (FDIC certificate 15899), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $281.0M, up 7.8% from Q2 2025, the 75th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15899
- Headquarters
- Larned, KS
- Established
- 1896
- Total assets, Q2 2026
- $281.0M
- Assets vs Q2 2025
- +7.8%
- Tier 1 leverage ratio, Q2 2026
- 12.76%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101101992
- Holding company
- FIRST STATE FINANCIAL CORPORATION
- Asset rank in state
- 75th of 182 in Kansas
Problem loans are rising at Fusion Bank. The Larned, Kansas bank had $281 million in assets at June 30, 2026, up 7.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.47% of loans from 0.00% a year earlier. It earns about $2.15 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.5 million, 31% above the same quarter a year earlier. Over the same year, loans grew 15.0% and deposits grew 2.9%. Funding is the softer spot: it pays an average of 2.28% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Fusion Bank reported a return on assets of 2.15%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 1.70%. The figures come from its call report filed with the FFIEC.
Fusion Bank ranks as the 75th largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 20.3% to $281.0M, loans rose 0.6% and deposits rose 25.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 37.4% of total loans, ahead of commercial and industrial loans at 20.7%. The FDIC Summary of Deposits lists 3 offices for it, in Overland Park, KS, Larned, KS and Pratt, KS; its Overland Park office books 52% of its branch deposits. On its Q2 2026 call report, Fusion Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 116 W 6th St, Larned, KS 67550
- County
- Pawnee
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1896
- Former names
- The First State Bank & Trust Co. of Larned (1976-2021)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $219.1M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $276.0M
- Average total loans
- $120.6M
- Average interest-bearing deposits
- $114.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 1942
- FDIC Cert
- 15899
- Fed RSSD
- 9955
- Website
- www.fusion.bank →
- Parent Holding Company
- FIRST STATE FINANCIAL CORPORATION (RSSD 1062425)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Fusion Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Fusion Bank's total assets moved between a low of $204.4M (Q3 2023) and a high of $281.0M (Q2 2026) from Q3 2023 to 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
$281.0M total assets against $260.6M; $246.9M total liabilities against $230.5M.
$127.7M net loans and leases against $110.9M; $219.1M total deposits against $213.0M.
$48.1M securities against $49.3M; $84.1M cash and balances due against $80.2M.
$3.5M total interest income against $2.9M; $1.0M total interest expense against $804K.
$2.5M net interest income against $2.1M.
$142K total noninterest income against $139K; $1.3M total noninterest expense against $1.1M.
$100K provision for credit losses against $0.
$1.5M net income against $1.1M.
2.15% return on assets against 2.06%; 3.72% net interest margin against 3.87%.
12.76% tier 1 leverage ratio against 14.55%.
Inside the full Fusion Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFusion Bank rankings
Its closest position to the top of a national ranking is 352 of 3,611, for ROA; its furthest is 2,383 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.77% (Q1 2025) to 2.15% (Q2 2026) and its net interest margin ran from 3.51% (Q3 2024) to 4.27% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.76% | 2.15% | 0.47% | 1.70% | 3.72% |
| Q1 2026 | 14.30% | 1.79% | 0.00% | 0.00% | 3.93% |
| Q4 2025 | 14.54% | 1.96% | 0.00% | 0.00% | 4.27% |
| Q3 2025 | 13.82% | 2.14% | 0.00% | 0.00% | 3.99% |
| Q2 2025 | 14.55% | 2.06% | 0.00% | 0.00% | 3.87% |
| Q1 2025 | 12.91% | 1.77% | 0.00% | 0.00% | 3.76% |
| Q4 2024 | 13.68% | 1.88% | 0.00% | 0.00% | 3.88% |
| Q3 2024 | 11.93% | 1.83% | 0.00% | 0.00% | 3.51% |
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 |
|---|---|---|---|
| Overland Park Banking Center Branch | Overland Park , KS | 66210 | $114.1M |
| Fusion Bank (main office) | Larned , KS | 67550 | $76.7M |
| Pratt Branch | Pratt , KS | 67124 | $28.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 96 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M 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, 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 Fusion Bank
What are Fusion Bank's total assets?
As of the Q2 2026 filing, Fusion Bank reported total assets of $281.0 million in its FFIEC call report.
Where is Fusion Bank headquartered?
It is headquartered in Larned, KS, United States.
When was Fusion Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Fusion Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fusion Bank?
Fusion Bank's primary federal regulator is the Federal Reserve.
How many branches does Fusion 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 Fusion Bank's Texas Ratio?
Its Texas Ratio is 1.70% 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 Fusion Bank previously called?
The charter now named Fusion Bank has also operated as The First State Bank & Trust Co. of Larned (1976-2021), per FDIC structure-change records.
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