Institution Statistics
| Bank of Kansas | | FDIC Certificate # | 17378 | | BankRate Report | View | | Year Established | 1907 | | Employees | 63 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $329.96 million | | Loans | $197.05 million | | Deposits | $281.31 million | | Equity Capital | $41.82 million | | Loan Loss Allowance | $4.92 million | | Unbacked Noncurrent Loans | $5.23 million | | Real Estate Owned | $2.25 million |
Historic Data - December 2010 | | Assets | $337.08 million | | Equity Capital | $40.43 million | | Loan Loss Allowance | $5.21 million | | Unbacked Noncurrent Loans | $5.55 million | | Real Estate Owned | $238,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.19% | | Return on Assets | 0.33% | | Return on Equity | 2.68% | | Interest Income | $14.44 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Kansas had $7.48 million in non-current loans and owned real-estate with $46.74 million in equity and loan loss allowances on hand to cover it. This gives Bank of Kansas a Texas Ratio of 16.00% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Bank of Kansas decreased significantly from 31.55% as of December 31, 2010 to 16.00% as of December 31, 2011, resulting in a positive change of 49.29%.This indicates that the balance sheet and financial strength for Bank of Kansas has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Bank of Kansas has decreased its total deposits by -$7.72 million, resulting in -2.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Kansas has shown is below average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Kansas has $329.96 million in assets with $46.74 million in equity, resulting in a capitalization level of 14.17%, which is excellent. |
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Average User Rating:
Terrible Customer Service!
Beware before you open an account. People in this bank will not work with you. Anytime you need anything it takes phonecall, after phonecall, after phonecall. They do not treat all customers equally. Happy to do favors to some people and stay cold towards others.
You'd think a small town branch will have the advantages of helpul, friendly service. Not in this bank. Even if they make a mistake they will not appologize. They will promise to fix it, but let it be. And yes the problem gets eventually fixed, only if you make it happen, because they sure don't want to waste their lunch time trying to solve your problem...even though they caused it to begin with.
You would expect that people this bank employs will have at least average intelligence. It is so frustrating to try to talk to someone who simply isn't getting what you say. Unless you make the speach simple enough for a child to understand, you are wasting your breath. That's sad.
Constructive criticism? Banks are competing to atract customers, you are doing the oposite. I am closing my accounts and moving to a different bank that is willing to be there for me! The only recomendation I'll ever give to anyone would be to stay away from Bank of Kansas!