Outdoor Bank
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Data as of · sourced from FFIEC call reports. How we update
Outdoor Bank is an FDIC-insured commercial bank headquartered in Manhattan, KS, established in 1897 (FDIC certificate 17685), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $648.8M, up 4.7% from Q2 2025, the 29th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.24% 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
- 17685
- Headquarters
- Manhattan, KS
- Established
- 1897
- Total assets, Q2 2026
- $648.8M
- Assets vs Q2 2025
- +4.7%
- Tier 1 leverage ratio, Q2 2026
- 9.24%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 101106528
- Latest call report
- Q2 2026, FFIEC 051 · Outdoor Bank call report
- Holding company
- FOOTE FINANCIAL SERVICES, LLC
- Asset rank in state
- 29th of 182 in Kansas
Problem loans are rising at Outdoor Bank. Its balance sheet stood at $649 million at June 30, 2026, up 4.7% from a year earlier; it is based in Manhattan, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.83% of loans from 2.00% a year earlier. It loses about $0.95 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also carries problem assets equal to 27.1% of the capital and reserves that would absorb them, 10.3 times the median of 2.6% for banks its size.
It lost $1.5 million in the quarter. The commercial and industrial book ($63 million) is worsening: 13.06% of it is past due or on nonaccrual, up from 7.83% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Outdoor Bank reported a return on assets of -0.95%, a nonperforming-loan ratio of 3.83% and a Texas ratio of 27.12%. The figures come from its call report filed with the FFIEC.
Outdoor Bank ranks as the 29th 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 rose 2.3% to $648.8M, loans rose 0.3% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 21.1% of total loans, ahead of 1-4 family residential loans at 20.0%. Its 11 offices in the FDIC Summary of Deposits are in 10 cities in KS; its Overland Park office books 32% of its branch deposits. On its Q2 2026 call report, Outdoor Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2401 N Seth Child Rd, Manhattan, KS 66503
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1897
- Former names
- Peoples State Bank (2016-2023)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $572.1M
- Allowance for credit losses
- $11.9M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $645.3M
- Average total loans
- $478.8M
- Average interest-bearing deposits
- $476.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 1956
- FDIC Cert
- 17685
- Fed RSSD
- 43351
- Website
- www.outdoorbank.com →
- Parent Holding Company
- FOOTE FINANCIAL SERVICES, LLC (RSSD 5301140)
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, Outdoor Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Outdoor Bank's total assets moved between a low of $513.4M (Q3 2023) and a high of $690.6M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$648.8M total assets against $619.4M; $585.6M total liabilities against $558.8M.
$463.2M net loans and leases against $491.2M; $572.1M total deposits against $545.0M.
$2.5M securities against $3.2M; $152.4M cash and balances due against $94.8M.
$9.6M total interest income against $10.2M; $3.7M total interest expense against $4.2M.
$5.9M net interest income against $6.1M.
$322K total noninterest income against $362K; $5.2M total noninterest expense against $4.9M.
$2.6M provision for credit losses against $600K.
-$1.5M net income against $875K.
-0.95% return on assets against 0.55%; 3.82% net interest margin against 4.04%.
9.24% tier 1 leverage ratio against 8.92%.
Inside the full Outdoor Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Outdoor Bank rankings
Its closest position to the top of a national ranking is 79 of 3,640, for Texas Ratio; its furthest is 3,570 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.61% (Q1 2025) to 0.92% (Q4 2025) and its net interest margin ran from 3.82% (Q2 2026) to 4.57% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.24% | -0.95% | 3.83% | 27.12% | 3.82% |
| Q1 2026 | 9.52% | 0.45% | 2.96% | 21.49% | 3.90% |
| Q4 2025 | 9.78% | 0.92% | 2.86% | 21.17% | 4.16% |
| Q3 2025 | 9.52% | 0.48% | 2.10% | 15.58% | 4.44% |
| Q2 2025 | 8.92% | 0.55% | 2.01% | 15.33% | 4.04% |
| Q1 2025 | 9.01% | -1.61% | 2.17% | 16.31% | 4.19% |
| Q4 2024 | 9.03% | -1.07% | 1.56% | 12.20% | 4.42% |
| Q3 2024 | 9.79% | 0.60% | 0.83% | 6.24% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| 6 - Overland Park Branch | Overland Park , KS | 66223 | $183.2M |
| Outdoor Bank (main office) | Manhattan , KS | 66503 | $89.8M |
| 12 - Mhk East Branch | Manhattan , KS | 66502 | $71.2M |
| 3 - Hoxie Branch | Hoxie , KS | 67740 | $48.5M |
| 2 - Colby Branch | Colby , KS | 67701 | $46.8M |
| 1 - Mcdonald Branch | Mcdonald , KS | 67745 | $30.8M |
| 5 - Oakley Branch | Oakley , KS | 67748 | $29.0M |
| 8 - Wakeeney Branch | Wakeeney , KS | 67672 | $22.8M |
| 9 - Hill City Branch | Hill City , KS | 67642 | $17.7M |
| 4 - Goodland Branch | Goodland , KS | 67735 | $16.4M |
| 13 - Leondardville Branch | Leonardville , KS | 66449 | $15.6M |
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 |
|---|---|---|---|
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired Stanley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Peoples State Bank 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in KS, rank 41 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 153 applications, 137 loans originated, $46.8M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K 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, 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 Outdoor Bank
What are Outdoor Bank's total assets?
As of the Q2 2026 filing, Outdoor Bank reported total assets of $648.8 million in its FFIEC call report.
Where is Outdoor Bank headquartered?
It is headquartered in Manhattan, KS, United States.
When was Outdoor Bank founded?
It was established in 1897, per the FDIC institution directory.
Is Outdoor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Outdoor Bank?
Outdoor Bank's primary federal regulator is the FDIC.
How many branches does Outdoor Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Outdoor Bank's Texas Ratio?
Its Texas Ratio is 27.12% 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 Outdoor Bank previously called?
The charter now named Outdoor Bank has also operated as Peoples State Bank (2016-2023), per FDIC structure-change records.
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