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105 North Main Street
Wichita, KS 67202

INTRUST is a bank that has not only weathered every great business recession, but grown stronger from the adversity. It is a bank that has had the vision to recognize periods of change and adapt to them in positive, timely ways. It is a bank with its roots planted firmly in the region. And it is still operated by the same family who knows the people here, and is willing to put their faith in the people and their dreams

Reviews (3)

Intrust Doesn't Want Business - Don't Give It To Them

We are trying to open a chain of bbq restaurants in the Wichita (not only Wichita...but that is where we are located) area.  We went to Intrust to see about opening an account...they rudely suggested that we find another bank and refused to give us any information on the services they offer.  They were recommended by a local accountant, who also stated they refused business with another client of theirs.  The banker was rude and made it seem that we were not good enough for their bank - told us to withdraw their names from consideration.  Basically, if they feel they are too good to take our money...maybe they are too good to take anyone's money?????  Rude and arrogant!

Don't Let INTRUST Bank Have Your Business!!

They charge you overdraft fees even though deposits hit accounts before debits do. They purposely arrange transactions so that they can charge you for as many overdrafts as possible, even though you didn't even have any!! They are greedy and care nothing about the customer in the least!! All they are interested in is making as much money as possible, so Charlie Chandler can afford to buy a new car every other week!!!! He is a worthless human being!!!




Data for Q4 2013

Institution Health


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, 2013 InTrust Bank had $31.78 million in non-current loans and owned real-estate with $386.38 million in equity and loan loss allowances on hand to cover it. This gives InTrust Bank a Texas Ratio of 8.22% 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 experienced no significant changes from 5.84% as of December 31, 2012 to 8.22% as of December 31, 2013, resulting in a negative change of 40.72%. This indicates that the balance sheet and financial strength for InTrust Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, InTrust Bank has decreased its total deposits by -$44.95 million, resulting in -1.29% 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 has shown is average.



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 has $4.36 billion in assets with $386.38 million in equity, resulting in a capitalization level of 8.85%, which is average.

Institution Statistics

FDIC Certificate #4799
Year Established1876
Primary RegulatorOCC
Assets and Liabilities
Assets$4.36 billion
Loans$2.27 billion
Deposits$3.45 billion
Equity Capital$356.01 million
Loan Loss Allowance$30.37 million
Unbacked Noncurrent Loans$28.76 million
Real Estate Owned$3.02 million
Historic Data - December 2012
Assets$4.32 billion
Equity Capital$341.51 million
Loan Loss Allowance$31.43 million
Unbacked Noncurrent Loans$28.76 million
Real Estate Owned$3.97 million
Profit Margin - Quarterly
Net Interest Margin2.6%
Return on Assets0.86%
Return on Equity10.11%
Interest Income$111.08 million

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InTrust Bank Savings Account Rates

0.15%$1k-Health Savings Account
0.10%--INTRUST Regular Savings
0.10%--INTRUST Youth Savings
0.10%--INTRUST Business Savings

InTrust Bank Money Market Rates

0.15%$5k-INTRUST Money Market Savings
0.15%$5k-INTRUST Business Money Market Savings
0.05%$1k-Money Market IRA

InTrust Bank Checking Account Rates

0.10%$5k-INTRUST Relationship Checking

InTrust Bank CD Rates

1.15%$500-60 Month Regular Time Deposit
1.15%$100k-60 Month Jumbo Time Deposit
1.15%$500-60 Month Online Time Deposit
1.15%$500-Business 60 Month Regular Time Deposit
1.15%$100k-Business 60 Month Jumbo Time Deposit
0.90%$500-48-59 Month Regular Time Deposit
0.90%$100k-48-59 Month Jumbo Time Deposit
0.90%$500-48 Month Online Time Deposit
0.90%$500-Business 48-59 Month Regular Time Deposit
0.90%$500-Business 48 Month Regular Time Deposit
0.90%$100k-Business 48-29 Month Jumbo Time Deposit
0.55%$500-36-47 Month Regular Time Deposit
0.55%$100k-36-47 Month Jumbo Time Deposit
0.55%$500-36 Month Online Time Deposit
0.55%$500-Business 36-47 Month Regular Time Deposit
0.55%$500-Business 36 Month Regular Time Deposit
0.55%$100k-Business 36-47 Month Jumbo Time Deposit
0.40%$500-24-35 Month Regular Time Deposit
0.40%$100k-24-35 Month Jumbo Time Deposit
0.40%$500-24 Month Online Time Deposit
0.40%$500-Business 24-35 Month Regular Time Deposit
0.40%$500-Business 24 Month Regular Time Deposit
0.40%$100k-Business 24-35 Month Jumbo Time Deposit
0.30%$500-12 Month Regular Time Deposit
0.30%$500-13-17 Month Regular Time Deposit
0.30%$500-18-23 Month Regular Time Deposit
0.30%$100k-12 Month Jumbo Time Deposit
0.30%$100k-13-17 Month Jumbo Time Deposit
0.30%$100k-18-23 Month Jumbo Time Deposit
0.30%$500-12 Month Online Time Deposit
0.30%$500-18 Month Online Time Deposit
0.30%$500-Business 12 Month Regular Time Deposit
0.30%$500-Business 13-17 Month Regular Time Deposit
0.30%$500-Business 18-23 Month Regular Time Deposit
0.30%$500-Business 18 Month Regular Time Deposit
0.30%$100k-Business 12 Month Jumbo Time Deposit
0.30%$100k-Business 13-17 Month Jumbo Time Deposit
0.30%$100k-Business 18-23 Month Jumbo Time Deposit
0.25%$2,500-270-364 Day Regular Time Deposit
0.25%$100k-270-364 Day Jumbo Time Deposit
0.25%$500-270 Day Online Time Deposit
0.25%$500-Business 270-364 Day Regular Time Deposit - Automatic Renewal
0.25%$500-Business 270 Day Regular Time Deposit
0.25%$100k-Business 270-364 Day Jumbo Time Deposit
0.25%$500-270-364 Day Regular Time Deposit - Automatic Renewal
0.25%$2,500-Business 270-364 Day Regular Time Deposit
0.20%$2,500-180-269 Day Regular Time Deposit
0.20%$100k-180-269 Day Jumbo Time Deposit
0.20%$500-180 Day Online Time Deposit
0.20%$500-Business 180-269 Day Regular Time Deposit - Automatic Renewal
0.20%$500-Business 180 Day Regular Time Deposit
0.20%$100k-Business 180-269 Day Jumbo Time Deposit
0.20%$500-180-269 Day Regular Time Deposit - Automatic Renewal
0.20%$2,500-Business 180-269 Day Regular Time Deposit
0.15%$2,500-90-179 Day Regular Time Deposit
0.15%$100k-90-179 Day Jumbo Time Deposit
0.15%$500-90 Day Online Time Deposit
0.15%$500-Business 90-179 Day Regular Time Deposit - Automatic Renewal
0.15%$500-Business 90 Day Regular Time Deposit
0.15%$100k-Business 90-179 Day Jumbo Time Deposit
0.15%$500-90-179 Day Regular Time Deposit - Automatic Renewal
0.15%$2,500-Business 90-179 Day Regular Time Deposit
0.05%$100k-7-31 Day Jumbo Time Deposit
0.05%$100k-32-89 Day Jumbo Time Deposit
0.05%$100k-Business 7-31 Day Jumbo Time Deposit
0.05%$100k-Business 32-89 Day Jumbo Time Deposit

InTrust Bank IRA Rates

1.15%$500-60 Month IRA (Traditional,Roth,CESA)
0.90%$500-48-59 Month IRA (Traditional,Roth,CESA)
0.55%$500-36-47 Month IRA (Traditional,Roth,CESA)
0.40%$500-24-35 Month IRA (Traditional,Roth,CESA)
0.30%$500-19-23 Month IRA (Traditional,Roth,CESA)
0.30%$200-13-18 Month IRA (Traditional,Roth,CESA)
0.30%$200-12 Month IRA (Traditional,Roth,CESA)
0.25%$500-270-364 Day IRA (Traditional,Roth,CESA)
0.20%$500-180-269 Day IRA (Traditional,Roth,CESA)
0.15%$500-90-179 Day IRA (Traditional,Roth,CESA)

InTrust Bank has 48 locations. Click to view all InTrust Bank locations.