Intrust Bank, National Association

Intrust Bank, National Association Locations

105 North Main Street
Wichita, KS 67201
800-895-2265
www.intrustbank.com

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Intrust Bank, National Association is headquartered in Wichita and is the 2^nd largest bank in the state of Kansas. It is also the 196^th largest bank in the nation. It was established in 1876 and as of March of 2012, it had grown to 785 employees at 48 locations. Intrust Bank, National Association has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Intrust Bank, National Association Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$5k	-	INTRUST Relationship Checking Account

Intrust Bank, National Association Savings Account Rates

Apy	Min	Max	Product
0.35%	$1k	-	Health Savings Account (HSA)
0.10%	-	-	INTRUST Regular Savings Account
0.10%	-	-	INTRUST Youth Savings Account
0.10%	$300	-	INTRUST Business Savings Account

Intrust Bank, National Association Money Market Rates

Apy	Min	Max	Product
0.30%	$25k	-	INTRUST Money Market Savings
0.30%	$25k	-	INTRUST Business Money Market Savings
0.25%	$100k	-	IRA Money Market Account

Intrust Bank, National Association CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month Time Deposit
1.50%	$100k	-	60 Month Jumbo Time Deposit
1.50%	$500	-	Business 60 Month Time Deposit
1.50%	$100k	-	Business 60 Month Jumbo Time Deposit
1.25%	$500	-	48 Month Time Deposit
1.25%	$100k	-	48-59 Month Jumbo Time Deposit
1.25%	$500	-	Business 48-59 Month Time Deposit
1.25%	$100k	-	Business 48-59 Month Jumbo Time Deposit
0.95%	$500	-	36 Month Time Deposit
0.95%	$100k	-	36-47 Month Jumbo Time Deposit
0.95%	$500	-	Business 36-47 Month Time Deposit
0.95%	$100k	-	Business 36-47 Month Jumbo Time Deposit
0.75%	$500	-	24 Month Time Deposit
0.75%	$100k	-	24-35 Month Jumbo Time Deposit
0.75%	$500	-	Business 24-35 Month Time Deposit
0.75%	$100k	-	Business 24-35 Month Jumbo Time Deposit
0.40%	$500	-	12 Month Time Deposit
0.40%	$500	-	18 Month Time Deposit
0.40%	$100k	-	12 Month Jumbo Time Deposit
0.40%	$100k	-	13-17 Month Jumbo Time Deposit
0.40%	$100k	-	18-23 Month Jumbo Time Deposit
0.40%	$500	-	Business 12 Month Time Deposit
0.40%	$500	-	Business 13-17 Month Time Deposit
0.40%	$500	-	Business 18-23 Month Time Deposit
0.40%	$100k	-	Business 12 Month Jumbo Time Deposit
0.40%	$100k	-	Business 13-17 Month Jumbo Time Deposit
0.40%	$100k	-	Business 18-23 Month Jumbo Time Deposit
0.35%	$500	-	180 Day Time Deposit
0.35%	$500	-	270 Day Time Deposit
0.35%	$100k	-	180-269 Day Jumbo Time Deposit
0.35%	$100k	-	270-364 Day Jumbo Time Deposit
0.35%	$500	-	Business 180-269 Day Time Deposit
0.35%	$500	-	Business 270-364 Day Time Deposit
0.35%	$100k	-	Business 180-269 Day Jumbo Time Deposit
0.35%	$100k	-	Business 270-364 Day Jumbo Time Deposit
0.25%	$500	-	90 Day Time Deposit
0.25%	$100k	-	90-179 Day Jumbo Time Deposit
0.25%	$500	-	Business 90-179 Day Time Deposit
0.25%	$100k	-	Business 90-179 Day Jumbo Time Deposit
0.10%	$100k	-	7-31 Day Jumbo Time Deposit
0.10%	$100k	-	32-89 Day Jumbo Time Deposit
0.10%	$100k	-	Business 7-31 Day Jumbo Time Deposit
0.10%	$100k	-	Business 32-89 Day Jumbo Time Deposit

Intrust Bank, National Association IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month Coverdell ESA IRA
1.25%	$500	-	48-59 Month IRA
1.25%	$500	-	48-59 Month Roth IRA
1.25%	$500	-	48-59 Month Coverdell ESA IRA
0.95%	$500	-	36-47 Month IRA
0.95%	$500	-	36-47 Month Roth IRA
0.95%	$500	-	36-47 Month Coverdell ESA IRA
0.75%	$500	-	24-35 Month IRA
0.75%	$500	-	24-35 Month Roth IRA
0.75%	$500	-	24-35 Month Coverdell ESA IRA
0.40%	$200	-	12 Month IRA
0.40%	$200	-	13-18 Month IRA
0.40%	$500	-	19-23 Month IRA
0.40%	$200	-	12 Month Roth IRA
0.40%	$200	-	13-18 Month Roth IRA
0.40%	$500	-	19-23 Month Roth IRA
0.40%	$200	-	12 Month Coverdell ESA IRA
0.40%	$200	-	13-18 Month Coverdell ESA IRA
0.40%	$500	-	19-23 Month Coverdell ESA IRA
0.35%	$500	-	180-269 Day IRA
0.35%	$500	-	270-364 Day IRA
0.35%	$500	-	180-269 Day Roth IRA
0.35%	$500	-	270-364 Day Roth IRA
0.35%	$500	-	180-269 Day Coverdell ESA IRA
0.35%	$500	-	270-364 Day Coverdell ESA IRA
0.25%	$500	-	90-179 Day IRA
0.25%	$500	-	90-179 Day Roth IRA
0.25%	$500	-	90-179 Day Coverdell ESA IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Intrust Bank, National Association
FDIC Certificate #	4799
BankRate Report	View
Year Established	1876
Employees	785
Primary Regulator	OCC
Assets and Liabilities
Assets	$4.10 billion
Loans	$2.14 billion
Deposits	$3.37 billion
Equity Capital	$361.59 million
Loan Loss Allowance	$40.72 million
Unbacked Noncurrent Loans	$17.38 million
Real Estate Owned	$5.35 million
Historic Data - March 2011
Assets	$3.75 billion
Equity Capital	$347.16 million
Loan Loss Allowance	$35.68 million
Unbacked Noncurrent Loans	$13.92 million
Real Estate Owned	$7.84 million
Profit Margin - Quarterly
Net Interest Margin	2.85%
Return on Assets	1.14%
Return on Equity	12.97%
Interest Income	$30.45 million

Institution Health

Overall Score:

5 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 March 31, 2012 Intrust Bank, National Association had $22.73 million in non-current loans and owned real-estate with $402.31 million in equity and loan loss allowances on hand to cover it. This gives Intrust Bank, National Association a Texas Ratio of 5.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Intrust Bank, National Association held steady from 5.71% as of March 31, 2011 to 5.65% as of March 31, 2012, resulting in a positive change of 1.04%.This indicates that the balance sheet and financial strength for Intrust Bank, National Association has held steady in recent periods.
Deposit Growth
In the past year, Intrust Bank, National Association has increased its total deposits by $309.58 million, resulting in 10.13% 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 Intrust Bank, National Association has shown is excellent.
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. Intrust Bank, National Association has $4.1 billion in assets with $402.31 million in equity, resulting in a capitalization level of 9.81%, which is average.

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