Bank of the Flint Hills: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Wamego, KS, Bank of the Flint Hills serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $545M in total assets and $473M in deposits. The bank posts a strong 1.61% ROA and 20.21% ROE. Regulatory capital is solid, 10.03% CET1 and 11.22% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.00%. 8 branches make up the footprint.
As of June 30, 2026, Bank of the Flint Hills reported a CET1 capital ratio of 10.03%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.89%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 806 5th St, Wamego, KS 66547
- County
- Pottawatomie
- Metro Area
- Manhattan, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1875
- Offices
- 8 domestic
- Employees (FTE)
- 81
- Domestic deposits
- $473.0M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $523.7M
- Average total loans
- $414.7M
- Average interest-bearing deposits
- $356.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4791
- Fed RSSD
- 552059
- Website
- http://www.bankflinthills.com →
- Parent Holding Company
- WAMEGO BANCSHARES, INC. (RSSD 1060524)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of the Flint Hills terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of the Flint Hills, freeBank of the Flint Hills rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.03% | 1.61% | 0.00% | 0.89% | 4.21% |
| Q1 2026 | 10.47% | 1.53% | 0.39% | 3.88% | 3.94% |
| Q4 2025 | 10.28% | 1.66% | 0.39% | 3.70% | 4.11% |
| Q3 2025 | 10.35% | 1.63% | 0.42% | 4.06% | 4.11% |
| Q2 2025 | 10.30% | 1.46% | 0.54% | 4.74% | 4.00% |
| Q1 2025 | 10.37% | 1.52% | 0.55% | 4.87% | 3.85% |
| Q4 2024 | 10.59% | 1.36% | 0.58% | 5.07% | 3.87% |
| Q3 2024 | 11.05% | 1.32% | 0.66% | 5.34% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of the Flint Hills (main office) | Wamego , KS | 66547 | $172.5M |
| St. Marys Bertrand Branch | Saint Marys , KS | 66536 | $99.7M |
| Manhattan Branch | Manhattan , KS | 66502 | $76.5M |
| Grand Mere Branch | Manhattan , KS | 66503 | $57.8M |
| 117 Highway 24 Branch | Rossville , KS | 66533 | $27.2M |
| Alma Branch | Alma , KS | 66401 | $23.4M |
| White City Branch | White City , KS | 66872 | $16.0M |
| Highway 24 Branch | Wamego , KS | 66547 | $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 14, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2018 | Structure Change | Acquired The St. Marys 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 2 events.
Regulatory record
What the public regulatory sources show for Bank of the Flint Hills, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- April 19, 2012, OCC: Formal Agreement: The First National Bank of Wamego
- September 18, 2002, OCC: Formal Agreement: The First National Bank of Wamego
- Period: Most recent institution action April 19, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KS, rank 49 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 219 applications, 183 loans originated, $48.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of the Flint Hills
What are Bank of the Flint Hills's total assets?
As of the Q2 2026 filing, Bank of the Flint Hills reported total assets of $544.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of the Flint Hills headquartered?
Bank of the Flint Hills is headquartered in Wamego, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of the Flint Hills founded?
Bank of the Flint Hills was established in 1875, per the FDIC institution directory.
Is Bank of the Flint Hills FDIC-insured?
Yes. Bank of the Flint Hills is an FDIC-insured commercial bank (FDIC Certificate #4791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Flint Hills?
Bank of the Flint Hills's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of the Flint Hills's CET1 capital ratio?
Bank of the Flint Hills reported a Common Equity Tier 1 (CET1) capital ratio of 10.03% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the Flint Hills operate?
Bank of the Flint Hills operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Flint Hills's Texas Ratio?
Bank of the Flint Hills's Texas Ratio is 0.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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