Tricentury Bank
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Data as of · sourced from FFIEC call reports. How we update
Tricentury Bank is an FDIC-insured commercial bank headquartered in De Soto, KS, established in 1909 (FDIC certificate 18109), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $213.8M, up 11.3% from Q2 2025, the 88th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.76% 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
- 18109
- Headquarters
- De Soto, KS
- Established
- 1909
- Total assets, Q2 2026
- $213.8M
- Assets vs Q2 2025
- +11.3%
- Tier 1 leverage ratio, Q2 2026
- 10.76%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101106942
- Latest call report
- Q2 2026, FFIEC 041 · Tricentury Bank call report
- Holding company
- ASTRA FINANCIAL CORPORATION
- Asset rank in state
- 88th of 182 in Kansas
Tricentury Bank runs leaner than most banks of its size. The De Soto, Kansas bank had $214 million in assets at June 30, 2026, up 11.3% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.88% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 19% from a year earlier, to $921,000. Over the same year, loans grew 11.9% and deposits grew 16.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Tricentury Bank reported a return on assets of 1.73%, 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.
Of the 182 banks headquartered in Kansas, Tricentury Bank is the 88th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $213.8M, loans rose 5.4% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.0%. The FDIC Summary of Deposits lists 3 offices for it, in De Soto, KS, Lawrence, KS and Spring Hill, KS; its De Soto office books 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Tricentury Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 33485 Lexington Ave, De Soto, KS 66018
- County
- Johnson
- Metro Area
- Kansas City, MO-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 041
- Established
- March 13, 1909
- Former names
- Mitchell County Bank (1995-2000); The Farmers State Bank of Simpson, Kansas (1970-1995)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $135.1M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $212.7M
- Average total loans
- $174.1M
- Average interest-bearing deposits
- $114.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 16, 1959
- FDIC Cert
- 18109
- Fed RSSD
- 196752
- SEC CIK
- 1606139 → filed by ASTRA FINANCIAL CORPORATION
- Website
- http://www.tricentury.bank →
- Parent Holding Company
- ASTRA FINANCIAL CORPORATION (RSSD 2723862)
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, Tricentury Bank 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, Tricentury Bank's total assets ranged from $144.0M (Q3 2023) to $213.8M (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
$213.8M total assets against $192.0M; $190.9M total liabilities against $171.3M.
$177.0M net loans and leases against $158.3M; $135.1M total deposits against $115.6M.
$1.0M securities against $2.0M; $24.7M cash and balances due against $23.8M.
$3.4M total interest income against $3.1M; $1.4M total interest expense against $1.3M.
$2.1M net interest income against $1.8M.
$88K total noninterest income against $52K; $895K total noninterest expense against $826K.
$60K provision for credit losses against $60K.
$921K net income against $774K.
1.73% return on assets against 1.63%; 4.02% net interest margin against 3.94%.
10.76% tier 1 leverage ratio against 10.91%.
Inside the full Tricentury 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Tricentury Bank rankings
Its closest position to the top of a national ranking is 246 of 3,606, for efficiency ratio; its furthest is 3,524 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.45% (Q4 2024) to 1.73% (Q2 2026) and its net interest margin ran from 3.78% (Q1 2025) to 4.16% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 1.73% | 0.00% | 0.00% | 4.02% |
| Q1 2026 | 10.76% | 1.61% | 0.00% | 0.00% | 3.92% |
| Q4 2025 | 11.21% | 1.71% | 0.00% | 0.00% | 4.14% |
| Q3 2025 | 11.06% | 1.60% | 0.00% | 0.00% | 4.16% |
| Q2 2025 | 10.91% | 1.63% | 0.00% | 0.00% | 3.94% |
| Q1 2025 | 10.87% | 1.49% | 0.00% | 0.00% | 3.78% |
| Q4 2024 | 11.54% | 1.45% | 0.00% | 0.00% | 3.88% |
| Q3 2024 | 11.69% | 1.60% | 0.00% | 0.00% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Tricentury Bank (main office) | De Soto , KS | 66018 | $76.3M |
| Lawrence Branch | Lawrence , KS | 66049 | $43.5M |
| Spring Hill Branch | Spring Hill , KS | 66083 | $15.2M |
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 |
|---|---|---|---|
| March 21, 1970 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 136 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $89K approved, $30K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Tricentury Bank
What are Tricentury Bank's total assets?
As of the Q2 2026 filing, Tricentury Bank reported total assets of $213.8 million in its FFIEC call report.
Where is Tricentury Bank headquartered?
It is headquartered in De Soto, KS, United States.
When was Tricentury Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Tricentury Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tricentury Bank?
Tricentury Bank's primary federal regulator is the FDIC.
How many branches does Tricentury Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tricentury Bank'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.
What was Tricentury Bank previously called?
The charter now named Tricentury Bank has also operated as Mitchell County Bank (1995-2000), The Farmers State Bank of Simpson, Kansas (1970-1995), per FDIC structure-change records.
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