INTRUST Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
INTRUST Bank, N.A. is an FDIC-insured commercial bank headquartered in Wichita, KS, established in 1876 (FDIC certificate 4799), and it is supervised by the OCC. At Q2 2026 it reported total assets of $6.76B, down 0.4% from Q2 2025, the 3rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.66% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4799
- Headquarters
- Wichita, KS
- Established
- 1876
- Total assets, Q2 2026
- $6.76B
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 13.66%
- Domestic offices
- 40 FDIC institution directory, current count
- Routing number
- 101100029
- Latest call report
- Q2 2026, FFIEC 041 · INTRUST Bank, N.A. call report
- Holding company
- INTRUST FINANCIAL CORPORATION
- Asset rank in state
- 3rd of 182 in Kansas
INTRUST Bank, N.A., based in Wichita, Kansas, reported $6.8 billion in assets at June 30, 2026. It lost 3.4% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also returns 20.6% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $343 million equal 45% of Tier 1 capital, down from 54% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 3.6% and deposits fell 3.4%. One more trend to watch: the non-owner-occupied commercial real estate book ($846 million) is worsening: 3.27% of it is past due or on nonaccrual, up from 2.47% a year earlier.
As of June 30, 2026, INTRUST Bank, N.A. reported a CET1 capital ratio of 13.66%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 4.87%. The figures come from its call report filed with the FFIEC.
INTRUST Bank, N.A. ranks as the 3rd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $6.76B, loans rose 1.6% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 32.8% of total loans, followed by non-owner-occupied commercial real estate loans at 19.4%. Its 40 offices in the FDIC Summary of Deposits are in 23 cities across 3 states; its Wichita 13 offices book 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, INTRUST Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 N Main St, Wichita, KS 67202
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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 041
- Established
- November 1, 1876
- Domestic offices
- 40 FDIC institution directory, current count
- Employees (FTE)
- 808
- Domestic deposits
- $5.95B
- Allowance for credit losses
- $51.5M
- Net charge-offs (YTD)
- $785K
- Average total assets
- $7.10B
- Average total loans
- $4.34B
- Average interest-bearing deposits
- $4.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4799
- Fed RSSD
- 557858
- SEC CIK
- 705025 → filed by INTRUST FINANCIAL CORPORATION
- Website
- http://www.intrustbank.com →
- Parent Holding Company
- INTRUST FINANCIAL CORPORATION (RSSD 1064278)
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, INTRUST Bank, N.A.'s total assets ranged from $6.76B (Q2 2026) to $7.44B (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
$6.76B total assets against $6.79B; $6.26B total liabilities against $6.37B.
$4.30B net loans and leases against $4.15B; $5.95B total deposits against $6.16B.
$1.80B securities against $2.14B; $344.0M cash and balances due against $188.2M.
$82.6M total interest income against $87.8M; $24.6M total interest expense against $34.8M.
$58.0M net interest income against $53.0M.
$18.9M total noninterest income against $17.2M; $45.5M total noninterest expense against $43.7M.
$1.9M provision for credit losses against $538K.
$25.3M net income against $21.0M.
1.42% return on assets against 1.15%; 3.59% net interest margin against 3.20%.
13.66% CET1 capital ratio against 13.12%; 10.76% tier 1 leverage ratio against 9.92%.
Inside the full INTRUST Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeINTRUST Bank, N.A. rankings
Its closest position to the top of a national ranking is 221 of 4,196, for total assets; its furthest is 1,209 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 1.42% (Q2 2026) and its net interest margin ran from 2.65% (Q3 2024) to 3.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 1.42% | 0.60% | 4.87% | 3.59% |
| Q1 2026 | 13.50% | 1.27% | 0.60% | 5.01% | 3.44% |
| Q4 2025 | 13.47% | 1.36% | 0.76% | 6.42% | 3.43% |
| Q3 2025 | 13.60% | 1.17% | 0.86% | 7.36% | 3.26% |
| Q2 2025 | 13.12% | 1.15% | 0.86% | 7.91% | 3.20% |
| Q1 2025 | 13.20% | 0.92% | 1.05% | 9.65% | 2.95% |
| Q4 2024 | 13.16% | 0.88% | 0.72% | 7.12% | 2.79% |
| Q3 2024 | 12.87% | 0.72% | 0.38% | 3.33% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 40 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 |
|---|---|---|---|
| INTRUST Bank, N.A. (main office) | Wichita , KS | 67202 | $1.14B |
| Tallgrass | Wichita , KS | 67206 | $451.0M |
| West Lake Branch | Wichita , KS | 67235 | $286.1M |
| 4000 Somerset Drive Branch | Prairie Village , KS | 66208 | $285.1M |
| West Branch | Wichita , KS | 67212 | $275.0M |
| East Branch | Wichita , KS | 67206 | $247.5M |
| Northeast Branch | Wichita , KS | 67226 | $210.7M |
| New Market Square Branch | Wichita , KS | 67205 | $207.0M |
| Lawrence Vermont | Lawrence , KS | 66044 | $193.4M |
| El Dorado Branch | El Dorado , KS | 67042 | $180.4M |
| 2005 West 21st Street Branch | Wichita , KS | 67203 | $171.8M |
| East Central Street Branch | Wichita , KS | 67208 | $169.8M |
| Andover | Andover , KS | 67002 | $159.1M |
| Haysville Branch | Haysville , KS | 67060 | $150.9M |
| First Bank of Newton Branch | Newton , KS | 67114 | $148.4M |
| Topeka | Topeka , KS | 66612 | $141.0M |
| South Branch | Wichita , KS | 67217 | $137.3M |
| Southeast Branch | Wichita , KS | 67207 | $127.5M |
| Derby Branch | Derby , KS | 67037 | $126.9M |
| Oklahoma City - Leadership Square Two Branch | Oklahoma City , OK | 73102 | $123.9M |
| Valley Center Branch | Valley Center , KS | 67147 | $108.3M |
| El Dorado West Branch | El Dorado , KS | 67042 | $92.9M |
| Olathe Branch | Olathe , KS | 66061 | $87.8M |
| Overland Park Branch | Overland Park , KS | 66213 | $76.3M |
| Newton Branch | Newton , KS | 67114 | $67.1M |
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 |
|---|---|---|---|
| November 9, 2019 | M&A | Acquired First Bank of Newton merger for the acquired bank | SEC |
| November 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2019 | Structure Change | Acquired First Bank of Newton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2018 | M&A | Acquired Millennium Bank sale_of_assets for the acquired bank | SEC |
| December 1, 2018 | Structure Change | Acquired Millennium Bank Sale of Assets for the acquired bank | FFIEC NIC |
| January 1, 2014 | M&A | Acquired Nestegg Consulting, Inc. merger for the acquired bank | SEC |
| January 1, 2014 | Structure Change | Acquired Nestegg Consulting, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 2007 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| March 17, 2007 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 2001 | M&A | Acquired Will Rogers Bank merger for the acquired bank | SEC |
| August 11, 2001 | Structure Change | Acquired Will Rogers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 1996 | Structure Change | Acquired INTRUST Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 1996 | M&A | Acquired INTRUST Mortgage Corporation merger for the acquired bank | SEC |
| December 2, 1995 | Structure Change | Acquired The First National Bank of Ottawa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 2, 1995 | M&A | Acquired The First National Bank of Ottawa merger for the acquired bank | SEC |
| December 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 1995 | M&A | Acquired INTRUST Bank, Johnson County, National Association merger for the acquired bank | SEC |
| February 11, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 1995 | Structure Change | Acquired INTRUST Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1993 | Structure Change | Acquired Kansas State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 1993 | M&A | Acquired Kansas State Bank and Trust Company merger for the acquired bank | SEC |
| February 16, 1991 | Structure Change | Acquired Mid Kansas Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 16, 1991 | M&A | Acquired Mid Kansas Savings and Loan Association, F.A. failure_government_assistance_provided for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 5.3% of deposits in KS, rank 3 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 861 applications, 548 loans originated, $130.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $3.1M approved, $225K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
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Frequently asked about INTRUST Bank, N.A.
What are INTRUST Bank, N.A.'s total assets?
As of the Q2 2026 filing, INTRUST Bank, N.A. reported total assets of $6.76 billion in its FFIEC call report.
Where is INTRUST Bank, N.A. headquartered?
It is headquartered in Wichita, KS, United States.
When was INTRUST Bank, N.A. founded?
It was established in 1876, per the FDIC institution directory.
Is INTRUST Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates INTRUST Bank, N.A.?
INTRUST Bank, N.A.'s primary federal regulator is the OCC.
What is INTRUST Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does INTRUST Bank, N.A. operate?
It operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is INTRUST Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 4.87% 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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