Ventura National Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Ventura National Bank & Trust is an FDIC-insured commercial bank headquartered in Harveyville, KS, established in 1920 (FDIC certificate 4683), and it is supervised by the OCC. At Q2 2026 it reported total assets of $41.7M, up 12.4% from Q2 2025, the 170th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4683
- Headquarters
- Harveyville, KS
- Established
- 1920
- Total assets, Q2 2026
- $41.7M
- Assets vs Q2 2025
- +12.4%
- Tier 1 leverage ratio, Q2 2026
- 17.95%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101113841
- Latest call report
- Q2 2026, FFIEC 051 · Ventura National Bank & Trust call report
- Holding company
- VISTA HOLDING COMPANY
- Asset rank in state
- 170th of 182 in Kansas
Ventura National Bank & Trust, based in Harveyville, Kansas, reported $42 million in assets at June 30, 2026, up 12.4% from a year earlier. It is losing 1.8% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also spends about 118 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $40,000 in the quarter. Over the same year, loans grew 44.2% and deposits grew 17.6%. Funding is the softer spot: it pays an average of 3.47% on its deposits and borrowings, about double the median of 1.53% for banks its size.
As of June 30, 2026, Ventura National Bank & Trust reported a return on assets of -0.33%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.37%. The figures come from its call report filed with the FFIEC.
Ventura National Bank & Trust ranks as the 170th 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 fell 4.6% to $41.7M, loans rose 4.5% and deposits fell 5.7%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 43.0% of total loans, followed by all other loans at 36.5%. The FDIC Summary of Deposits lists a single office for it, in Harveyville, KS. On its Q2 2026 call report, Ventura National Bank & Trust meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 20, 1920
- Former names
- Vista National Bank & Trust (2024-2026)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $32.8M
- Allowance for credit losses
- $253K
- Net charge-offs (YTD)
- $25K
- Average total assets
- $47.9M
- Average total loans
- $35.1M
- Average interest-bearing deposits
- $36.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4683
- Fed RSSD
- 931458
- Website
- www.vnbt.bank →
- Parent Holding Company
- VISTA HOLDING COMPANY (RSSD 5840210)
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, Ventura National Bank & Trust 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, Ventura National Bank & Trust's total assets ranged from $15.8M (Q4 2023) to $63.0M (Q4 2025), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$41.7M total assets against $37.1M; $33.0M total liabilities against $28.2M.
$36.4M net loans and leases against $25.1M; $32.8M total deposits against $27.9M.
$75K securities against $250K; $4.2M cash and balances due against $10.8M.
$721K total interest income against $527K; $327K total interest expense against $147K.
$394K net interest income against $380K.
$1K total noninterest income against $15K; $468K total noninterest expense against $455K.
-$19K provision for credit losses against $47K.
-$40K net income against -$82K.
-0.33% return on assets against -0.98%; 3.39% net interest margin against 4.75%.
17.95% tier 1 leverage ratio against 26.74%.
Inside the full Ventura National Bank & Trust 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.
Ventura National Bank & Trust rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.81% (Q4 2024) to 0.55% (Q3 2024) and its net interest margin ran from 2.92% (Q4 2025) to 4.75% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.95% | -0.33% | 0.09% | 0.37% | 3.39% |
| Q1 2026 | 19.60% | -0.67% | 0.25% | 0.98% | 3.53% |
| Q4 2025 | 15.28% | -0.63% | 0.09% | 0.32% | 2.92% |
| Q3 2025 | 18.32% | -0.38% | 0.00% | 0.00% | 3.53% |
| Q2 2025 | 26.74% | -0.98% | 0.00% | 0.00% | 4.75% |
| Q1 2025 | 25.93% | 0.06% | 0.13% | 0.31% | 4.51% |
| Q4 2024 | 23.26% | -1.81% | 0.00% | 0.00% | 4.26% |
| Q3 2024 | 9.43% | 0.55% | 0.11% | 0.53% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Ventura National Bank & Trust (main office) | Harveyville , KS | 66431 | $32.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 208 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Ventura National Bank & Trust
What are Ventura National Bank & Trust's total assets?
As of the Q2 2026 filing, Ventura National Bank & Trust reported total assets of $41.7 million in its FFIEC call report.
Where is Ventura National Bank & Trust headquartered?
It is headquartered in Harveyville, KS, United States.
When was Ventura National Bank & Trust founded?
It was established in 1920, per the FDIC institution directory.
Is Ventura National Bank & Trust FDIC-insured?
Yes. It 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.
How many branches does Ventura National Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ventura National Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.37% 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 Ventura National Bank & Trust previously called?
The charter now named Ventura National Bank & Trust has also operated as Vista National Bank & Trust (2024-2026), per FDIC structure-change records.
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