KS Statebank
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Data as of · sourced from FFIEC call reports. How we update
KS Statebank is an FDIC-insured commercial bank headquartered in Manhattan, KS, established in 1969 (FDIC certificate 19899), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.60B, down 1.7% from Q2 2025, the 7th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.97% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19899
- Headquarters
- Manhattan, KS
- Established
- 1969
- Total assets, Q2 2026
- $2.60B
- Assets vs Q2 2025
- -1.7%
- Tier 1 leverage ratio, Q2 2026
- 12.97%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101101536
- Holding company
- MANHATTAN BANKING CORPORATION
- Asset rank in state
- 7th of 182 in Kansas
Problem loans are rising at KS Statebank. Based in Manhattan, Kansas, it had $2.6 billion in assets at June 30, 2026, down 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.49% of loans from 1.17% a year earlier. It spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 3.20% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
The commercial and industrial book ($283 million) is worsening: 9.01% of it is past due or on nonaccrual, up from 1.64% a year earlier. Net income for the quarter rose 25% from a year earlier, to $13 million. Credit is the area to watch: it carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for banks its size.
As of June 30, 2026, KS Statebank reported a return on assets of 2.04%, a nonperforming-loan ratio of 2.49% and a Texas ratio of 14.22%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, KS Statebank is the 7th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $2.60B, loans rose 1.3% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 24.1% of total loans, followed by owner-occupied commercial real estate loans at 24.0%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Manhattan 3 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, KS Statebank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1010 Westloop Pl, Manhattan, KS 66502
- County
- Riley
- Metro Area
- Manhattan, KS
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 21, 1969
- Former names
- Kansas State Bank of Manhattan (1978-2015)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 186
- Domestic deposits
- $2.17B
- Allowance for credit losses
- $39.3M
- Net charge-offs (YTD)
- $336K
- Average total assets
- $2.60B
- Average total loans
- $1.91B
- Average interest-bearing deposits
- $1.96B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 21, 1969
- FDIC Cert
- 19899
- Fed RSSD
- 160959
- Website
- http://ksstate.bank →
- Parent Holding Company
- MANHATTAN BANKING CORPORATION (RSSD 1139363)
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, KS Statebank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, KS Statebank's total assets ran between $2.41B (Q1 2024) and $2.68B (Q3 2025), 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
$2.60B total assets against $2.64B; $2.25B total liabilities against $2.33B.
$2.01B net loans and leases against $2.00B; $2.17B total deposits against $2.23B.
$432.0M securities against $419.2M; $109.3M cash and balances due against $179.0M.
$40.0M total interest income against $39.5M; $18.0M total interest expense against $19.7M.
$22.0M net interest income against $19.8M.
$852K total noninterest income against $880K; $8.7M total noninterest expense against $8.1M.
$430K provision for credit losses against $1.6M.
$13.2M net income against $10.6M.
2.04% return on assets against 1.60%; 3.71% net interest margin against 3.28%.
12.97% tier 1 leverage ratio against 11.62%.
Inside the full KS Statebank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKS Statebank rankings
Its closest position to the top of a national ranking is 93 of 3,606, for efficiency ratio; its furthest is 781 of 980, for uninsured deposits.
Metric pages for KS Statebank: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.49% (Q3 2025) to 2.16% (Q4 2024) and its net interest margin ran from 3.09% (Q3 2024) to 3.94% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.97% | 2.04% | 2.49% | 14.22% | 3.71% |
| Q1 2026 | 12.73% | 1.89% | 2.39% | 13.43% | 3.58% |
| Q4 2025 | 12.41% | 1.97% | 2.26% | 13.76% | 3.61% |
| Q3 2025 | 11.75% | 1.49% | 2.55% | 15.37% | 3.17% |
| Q2 2025 | 11.62% | 1.60% | 1.17% | 7.54% | 3.28% |
| Q1 2025 | 11.98% | 1.75% | 1.03% | 7.06% | 3.28% |
| Q4 2024 | 13.32% | 2.16% | 0.61% | 6.21% | 3.94% |
| Q3 2024 | 12.96% | 1.52% | 1.46% | 9.45% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| KS Statebank (main office) | Manhattan , KS | 66502 | $1.18B |
| Phoenix Branch | Phoenix , AZ | 85012 | $636.3M |
| Wichita Branch | Wichita , KS | 67209 | $216.2M |
| Junction City Branch | Junction City , KS | 66441 | $49.9M |
| Highway 24 Branch | Manhattan , KS | 66502 | $48.1M |
| Poyntz Avenue Branch | Manhattan , KS | 66502 | $37.8M |
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 |
|---|---|---|---|
| September 5, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2012 | Structure Change | Acquired Sonoran Bank, N.A. 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
- 1.5% of deposits in KS, rank 14 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 367 applications, 313 loans originated, $150.4M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K 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
- 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 KS Statebank
What are KS Statebank's total assets?
As of the Q2 2026 filing, KS Statebank reported total assets of $2.60 billion in its FFIEC call report.
Where is KS Statebank headquartered?
It is headquartered in Manhattan, KS, United States.
When was KS Statebank founded?
It was established in 1969, per the FDIC institution directory.
Is KS Statebank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates KS Statebank?
KS Statebank's primary federal regulator is the FDIC.
How many branches does KS Statebank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is KS Statebank's Texas Ratio?
Its Texas Ratio is 14.22% 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 KS Statebank previously called?
The charter now named KS Statebank has also operated as Kansas State Bank of Manhattan (1978-2015), per FDIC structure-change records.
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