Impact Bank
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Data as of · sourced from FFIEC call reports. How we update
Impact Bank is an FDIC-insured commercial bank headquartered in Wellington, KS, established in 1928 (FDIC certificate 17399), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $167.2M, up 5.1% from Q2 2025, the 111th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17399
- Headquarters
- Wellington, KS
- Established
- 1928
- Total assets, Q2 2026
- $167.2M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 15.40%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101101031
- Latest call report
- Q2 2026, FFIEC 051 · Impact Bank call report
- Holding company
- FIRST FINANCIAL CORPORATION
- Asset rank in state
- 111th of 182 in Kansas
Impact Bank is one of the more profitable banks of its size. Its balance sheet stood at $167 million at June 30, 2026, up 5.1% from a year earlier; it is based in Wellington, Kansas. It returns 27.5% a year on shareholders' equity, about double the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.0% over the year, lower than about 9 in 10 banks its size (median 5.5%). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $839,000, 67% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.03% of loans from 1.13%.
As of June 30, 2026, Impact Bank reported a CET1 capital ratio of 15.40%, a return on assets of 1.93%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Impact Bank is the 111th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $167.2M, loans fell 2.6% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.0% of total loans, ahead of agricultural production loans at 24.5%. Its 2 offices in the FDIC Summary of Deposits are in Wellington, KS and Caldwell, KS; its Wellington office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, Impact Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 E Harvey Ave, Wellington, KS 67152
- County
- Sumner
- 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
- April 3, 1928
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $153.0M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $173.6M
- Average total loans
- $101.4M
- Average interest-bearing deposits
- $121.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 10, 1955
- FDIC Cert
- 17399
- Fed RSSD
- 369453
- Website
- www.impact-bank.com →
- Parent Holding Company
- FIRST FINANCIAL CORPORATION (RSSD 1067514)
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, Impact Bank's total assets ran between $149.7M (Q3 2023) and $171.0M (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
$167.2M total assets against $159.2M; $154.4M total liabilities against $149.2M.
$99.0M net loans and leases against $103.2M; $153.0M total deposits against $139.7M.
$39.3M securities against $40.8M; $20.6M cash and balances due against $6.5M.
$2.1M total interest income against $2.1M; $631K total interest expense against $820K.
$1.5M net interest income against $1.3M.
$274K total noninterest income against $82K; $859K total noninterest expense against $868K.
$32K provision for credit losses against $0.
$839K net income against $502K.
1.93% return on assets against 1.19%; 3.63% net interest margin against 3.33%.
15.40% CET1 capital ratio against 14.37%; 10.62% tier 1 leverage ratio against 10.24%.
Inside the full Impact Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeImpact Bank rankings
Its closest position to the top of a national ranking is 562 of 3,611, for ROA; its furthest is 3,132 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.93% (Q2 2026) and its net interest margin ran from 3.05% (Q3 2024) to 4.30% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.40% | 1.93% | 0.03% | 0.23% | 3.63% |
| Q1 2026 | 15.14% | 1.37% | 0.05% | 0.41% | 3.52% |
| Q4 2025 | 14.51% | 1.73% | 0.02% | 0.13% | 4.30% |
| Q3 2025 | 14.48% | 1.14% | 0.78% | 6.15% | 3.33% |
| Q2 2025 | 14.37% | 1.19% | 1.13% | 10.62% | 3.33% |
| Q1 2025 | 13.96% | 1.10% | 1.72% | 17.28% | 3.18% |
| Q4 2024 | 13.33% | 0.90% | 2.21% | 24.03% | 3.11% |
| Q3 2024 | 13.42% | 0.85% | 2.36% | 20.08% | 3.05% |
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 |
|---|---|---|---|
| Impact Bank (main office) | Wellington , KS | 67152 | $119.5M |
| Caldwell Branch | Caldwell , KS | 67022 | $33.5M |
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, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2012 | Structure Change | Acquired another institution 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.
- Deposit market share
- 0.1% of deposits in KS, rank 124 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $68K approved, $68K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (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 Impact Bank
What are Impact Bank's total assets?
As of the Q2 2026 filing, Impact Bank reported total assets of $167.2 million in its FFIEC call report.
Where is Impact Bank headquartered?
It is headquartered in Wellington, KS, United States.
When was Impact Bank founded?
It was established in 1928, per the FDIC institution directory.
Is Impact Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Impact Bank?
Impact Bank's primary federal regulator is the Federal Reserve.
What is Impact Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Impact Bank 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 Impact Bank's Texas Ratio?
Its Texas Ratio is 0.23% 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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