The Halstead Bank
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Data as of · sourced from FFIEC call reports. How we update
The Halstead Bank is an FDIC-insured commercial bank headquartered in Halstead, KS, established in 1882 (FDIC certificate 17451), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $205.9M, up 5.8% from Q2 2025, the 93rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.32% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17451
- Headquarters
- Halstead, KS
- Established
- 1882
- Total assets, Q2 2026
- $205.9M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 11.32%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101103835
- Latest call report
- Q2 2026, FFIEC 051 · The Halstead Bank call report
- Holding company
- WILLIAMS HOLDING COMPANY, INC.
- Asset rank in state
- 93rd of 182 in Kansas
The Halstead Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $206 million at June 30, 2026, up 5.8% from a year earlier; it is based in Halstead, Kansas. It funds 8.56% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 20.6% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Deposits are coming in faster than loans: over the year loans rose 1.5% and deposits rose 5.9%. Problem loans have appeared where there were almost none: loans on nonaccrual or 90 or more days past due, net of government guarantees now equal 0.29% of loans.
As of June 30, 2026, The Halstead Bank reported a CET1 capital ratio of 11.32%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.14%. The figures come from its call report filed with the FFIEC.
The Halstead Bank ranks as the 93rd largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.4% to $205.9M, loans rose 3.2% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.5% of total loans, ahead of farmland and other real estate loans at 21.5%. The FDIC Summary of Deposits lists 4 offices for it, in Halstead, KS, Maize, KS and Valley Center, KS; its Halstead 2 offices book 54% of its branch deposits. Judged on its Q2 2026 call report, The Halstead Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 314 Main St, Halstead, KS 67056
- County
- Harvey
- Metro Area
- Wichita, KS
- 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
- —
- Call Report form
- FFIEC 051
- Established
- March 10, 1882
- Former names
- Halstead Bank (2021)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $187.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $205.6M
- Average total loans
- $140.4M
- Average interest-bearing deposits
- $140.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 1955
- FDIC Cert
- 17451
- Fed RSSD
- 747257
- Website
- www.halsteadbank.com →
- Parent Holding Company
- WILLIAMS HOLDING COMPANY, INC. (RSSD 1064513)
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 Halstead Bank's total assets ranged from $161.5M (Q3 2023) to $211.0M (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
$205.9M total assets against $194.6M; $188.5M total liabilities against $177.9M.
$143.0M net loans and leases against $141.2M; $187.7M total deposits against $177.2M.
$27.6M securities against $24.1M; $24.2M cash and balances due against $18.5M.
$3.1M total interest income against $3.0M; $853K total interest expense against $946K.
$2.2M net interest income against $2.1M.
$200K total noninterest income against $192K; $1.4M total noninterest expense against $1.3M.
$105K provision for credit losses against $105K.
$907K net income against $840K.
1.76% return on assets against 1.74%; 4.55% net interest margin against 4.53%.
11.32% CET1 capital ratio against 11.08%; 8.56% tier 1 leverage ratio against 8.68%.
Inside the full The Halstead Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Halstead Bank rankings
Its closest position to the top of a national ranking is 791 of 3,611, for ROA; its furthest is 1,889 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q3 2024) to 2.09% (Q4 2025) and its net interest margin ran from 4.00% (Q3 2024) to 4.80% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 1.76% | 0.29% | 2.14% | 4.55% |
| Q1 2026 | 11.93% | 1.44% | 0.27% | 1.94% | 4.38% |
| Q4 2025 | 11.53% | 2.09% | 0.34% | 2.52% | 4.80% |
| Q3 2025 | 11.71% | 1.79% | 0.01% | 0.09% | 4.59% |
| Q2 2025 | 11.08% | 1.74% | 0.00% | 0.01% | 4.53% |
| Q1 2025 | 11.10% | 1.65% | 0.96% | 7.26% | 4.52% |
| Q4 2024 | 11.24% | 1.73% | 0.03% | 0.23% | 4.48% |
| Q3 2024 | 11.25% | 1.13% | 1.23% | 9.44% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Halstead Bank | Halstead , KS | 67056 | $100.8M |
| The Halstead Bank, Maize Location Branch | Maize , KS | 67101 | $54.7M |
| Valley Center Branch | Valley Center , KS | 67147 | $32.2M |
| Halstead Drive-In Branch | Halstead , KS | 67056 | $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 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1990 | Structure Change | Acquired The State Bank of Bentley 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 12, 2025, Federal Reserve: Civil Money Penalty: The Halstead Bank, Halstead, Kansas
- Period: Most recent institution action September 12, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 106 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 77 loans originated, $15.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Halstead Bank
What are The Halstead Bank's total assets?
As of the Q2 2026 filing, The Halstead Bank reported total assets of $205.9 million in its FFIEC call report.
Where is The Halstead Bank headquartered?
It is headquartered in Halstead, KS, United States.
When was The Halstead Bank founded?
It was established in 1882, per the FDIC institution directory.
Is The Halstead Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Halstead Bank?
The Halstead Bank's primary federal regulator is the Federal Reserve.
What is The Halstead Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.32% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Halstead Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Halstead Bank's Texas Ratio?
Its Texas Ratio is 2.14% 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 Halstead Bank previously called?
The charter now named The Halstead Bank has also operated as Halstead Bank (2021), per FDIC structure-change records.
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