The Riley State Bank of Riley Kansas
The Riley State Bank of Riley Kansas is an FDIC-insured commercial bank headquartered in Riley, KS, supervised by the FDIC, with $132.0M in total assets at Q2 2026, up 8.6% from Q2 2025, the 119th largest of 182 banks headquartered in Kansas. It was established in 1943 and holds FDIC certificate 16120. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as RSB of Riley Kansas
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16120
- Headquarters
- Riley, KS
- Established
- 1943
- Total assets, Q2 2026
- $132.0M
- Assets vs Q2 2025
- +8.6%
- Tier 1 leverage ratio, Q2 2026
- 10.51%
- Domestic offices
- 4 · The Riley State Bank of Riley Kansas branches FDIC institution directory, current count
- Routing number
- 101106609
- Safety and soundness
- Is The Riley State Bank of Riley Kansas safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Riley State Bank of Riley Kansas Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- RILEY COUNTY BANCSHARES, INC.
- Asset rank in state
- 119th of 182 in Kansas
The Riley State Bank of Riley Kansas, based in Riley, Kansas, reported $132 million in assets at June 30, 2026, up 8.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also holds commercial real estate loans equal to only 27% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 13% from a year earlier, to $436,000.
As of June 30, 2026, The Riley State Bank of Riley Kansas reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Riley State Bank of Riley Kansas ranks as the 119th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $132.0M, loans rose 3.7% and deposits rose 1.3%. Agricultural production loans made up 38.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 20.6%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in KS; its Riley office books 71% of its branch deposits. On its Q2 2026 call report, The Riley State Bank of Riley Kansas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Broadway St, Riley, KS 66531
- 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
- November 19, 1943
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $115.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $131.7M
- Average total loans
- $88.6M
- Average interest-bearing deposits
- $90.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 27, 1944
- FDIC Cert
- 16120
- Fed RSSD
- 532752
- Website
- www.rileystatebank.com →
- Parent Holding Company
- RILEY COUNTY BANCSHARES, INC. (RSSD 1247389)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, The Riley State Bank of Riley Kansas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Riley State Bank of Riley Kansas's total assets ranged from $110.2M (Q3 2023) to $132.0M (Q2 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
$132.0M total assets against $121.5M; $118.7M total liabilities against $109.5M.
$88.0M net loans and leases against $77.5M; $115.2M total deposits against $103.9M.
$35.4M securities against $32.0M; $5.3M cash and balances due against $8.8M.
$1.8M total interest income against $1.6M; $560K total interest expense against $551K.
$1.2M net interest income against $1.1M.
$76K total noninterest income against $90K; $726K total noninterest expense against $700K.
$100K provision for credit losses against $50K.
$436K net income against $385K.
1.32% return on assets against 1.29%; 3.73% net interest margin against 3.70%.
10.51% tier 1 leverage ratio against 10.80%.
Inside the full The Riley State Bank of Riley Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Riley State Bank of Riley Kansas rankings
Its closest position to the top of a national ranking is 1,462 of 3,606, for efficiency ratio; its furthest is 3,602 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q4 2025) to 1.61% (Q1 2026) and its net interest margin ran from 3.39% (Q3 2024) to 3.75% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.51% | 1.32% | 0.00% | 0.00% | 3.73% |
| Q1 2026 | 10.73% | 1.61% | 0.00% | 0.00% | 3.75% |
| Q4 2025 | 10.84% | 0.66% | 0.00% | 0.00% | 3.73% |
| Q3 2025 | 10.95% | 1.46% | 0.00% | 0.00% | 3.70% |
| Q2 2025 | 10.80% | 1.29% | 0.00% | 0.00% | 3.70% |
| Q1 2025 | 10.75% | 1.58% | 0.00% | 0.00% | 3.60% |
| Q4 2024 | 10.69% | 0.70% | 0.00% | 0.00% | 3.51% |
| Q3 2024 | 11.08% | 1.13% | 0.00% | 0.00% | 3.39% |
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 |
|---|---|---|---|
| The Riley State Bank of Riley, Kansas | Riley , KS | 66531 | $81.5M |
| Fmsb-Riley Branch | Wakefield , KS | 67487 | $32.1M |
| Riley State Bank Branch | Leonardville , KS | 66449 | $1.6M |
| Longford Branch | Longford , KS | 67458 | $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 |
|---|---|---|---|
| July 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2010 | Structure Change | Acquired The Farmers and Merchants State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 1936 | Structure Change | Acquired Farmers State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 146 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 24 loans originated, $2.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 The Riley State Bank of Riley Kansas
What are The Riley State Bank of Riley Kansas's total assets?
As of the Q2 2026 filing, The Riley State Bank of Riley Kansas reported total assets of $132.0 million in its FFIEC call report.
Where is The Riley State Bank of Riley Kansas headquartered?
It is headquartered in Riley, KS, United States.
When was The Riley State Bank of Riley Kansas founded?
It was established in 1943, per the FDIC institution directory.
Is The Riley State Bank of Riley Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Riley State Bank of Riley Kansas?
The Riley State Bank of Riley Kansas's primary federal regulator is the FDIC.
How many branches does The Riley State Bank of Riley Kansas 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 Riley State Bank of Riley Kansas's Texas Ratio?
Its Texas Ratio is 0.00% 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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