Ventura National Bank & Trust
Ventura National Bank & Trust is the primary bank subsidiary of its parent holding company, headquartered in Harveyville, KS. Ventura National Bank & Trust's Q1 2026 balance sheet shows $44M in assets funded primarily by $35M in customer deposits. Earnings turned negative this period, with ROA at -0.67%. Under the simplified Community Bank Leverage Ratio framework, leverage of 19.60% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.00% NPLs and a 0.98% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 197 Main St, HARVEYVILLE, KS 66431
- County
- Wabaunsee
- Metro Area
- TOPEKA, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 11
- Established
- September 20, 1920
- Branches
- 1 domestic
- Employees (FTE)
- 10
- FDIC Cert
- 4683
- Fed RSSD
- 931458
- Website
- www,vnbt.bank →
- Parent Holding Company
- VISTA HOLDING COMPANY (RSSD 5840210)
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Ventura National Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Ventura National Bank & Trust
What are Ventura National Bank & Trust's total assets?
As of the Q1 2026 filing, Ventura National Bank & Trust reported total assets of $43.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ventura National Bank & Trust headquartered?
Ventura National Bank & Trust is headquartered in HARVEYVILLE, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Ventura National Bank & Trust founded?
Ventura National Bank & Trust was established in 1920, per the FDIC institution directory.
Is Ventura National Bank & Trust FDIC-insured?
Yes. Ventura National Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #4683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ventura National Bank & Trust?
Ventura National Bank & Trust's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Ventura National Bank & Trust operate?
Ventura National Bank & Trust operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Ventura National Bank & Trust's Texas Ratio?
Ventura National Bank & Trust's Texas Ratio is 0.98% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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