1 star ratingAverage User Rating:
1 star rating based on 1 review.

InTrust Bank

InTrust Bank Locations
P.O. Box 1
Wichita, KS 67201
800-895-2265
www.intrustbank.com
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



Report an Issue
See Rates for: Checking | Savings | Money Market | CD | IRA

InTrust Bank Checking Account Rates

ApyMinMaxProduct
0.10%$5k-INTRUST Relationship Checking

InTrust Bank Savings Account Rates

ApyMinMaxProduct
0.35%$1k-Health Savings Account

InTrust Bank Money Market Rates

ApyMinMaxProduct
0.25%$100k-IRA Money Market

InTrust Bank CD Rates

ApyMinMaxProduct
1.50%$500-60 Month Regular Time Deposit
1.50%$100k-60 Month Jumbo Time Deposit
1.50%$500-60 Month CD - On-line Only
1.25%$500-48-59 Month Regular Time Deposit
1.25%$100k-48-59 Month Jumbo Time Deposit
1.25%$500-48 Month CD - On-line Only
0.95%$500-36-47 Month Regular Time Deposit
0.95%$100k-36-47 Month Jumbo Time Deposit
0.95%$500-36 Month CD - On-line Only
0.75%$500-24-35 Month Regular Time Deposit
0.75%$100k-24-35 Month Jumbo Time Deposit
0.75%$500-24 Month CD - On-line Only
0.40%$500-12 Month Regular Time Deposit
0.40%$500-13-17 Month Regular Time Deposit
0.40%$500-18-23 Month Regular 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%$500-12 Month CD - On-line Only
0.40%$500-18 Month CD - On-line Only
0.35%$2,500-180-269 Day Regular Time Deposit
0.35%$2,500-270-364 Day Regular Time Deposit
0.35%$100k-180-269 Day Jumbo Time Deposit
0.35%$100k-270-364 Day Jumbo Time Deposit
0.35%$500-180 Day CD - On-line Only
0.35%$500-270 Day CD - On-line Only
0.25%$2,500-90-179 Day Regular Time Deposit
0.25%$100k-90-179 Day Jumbo Time Deposit
0.25%$500-90 Day CD - On-line Only
0.10%$100k-7-31 Day Jumbo Time Deposit
0.10%$100k-32-89 Day Jumbo Time Deposit

InTrust Bank IRA Rates

ApyMinMaxProduct
1.50%$500-60 Month IRA
1.50%$500-60 Month Roth IRA
1.50%$500-60 Month CESA
1.25%$500-48-59 Month IRA
1.25%$500-48-59 Month Roth IRA
1.25%$500-48-59 Month CESA
0.95%$500-36-47 Month IRA
0.95%$500-36-47 Month Roth IRA
0.95%$500-36-47 Month CESA
0.75%$500-24-35 Month IRA
0.75%$500-24-35 Month Roth IRA
0.75%$500-24-35 Month CESA
0.40%$500-19-23 Month IRA
0.40%$500-19-23 Month Roth IRA
0.40%$500-19-23 Month CESA
0.40%$200-12 Month Roth IRA
0.40%$200-12 Month IRA
0.40%$200-12 Month CESA
0.40%$200-13-18 Month IRA
0.40%$200-13-18 Month Roth IRA
0.40%$200-13-18 Month CESA
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 CESA
0.35%$500-270-364 Day CESA
0.25%$500-90-179 Day IRA
0.25%$500-90-179 Day Roth IRA
0.25%$500-90-179 Day CESA

Rates updated: 2/10/2012

Data for Q3 2011


Institution Statistics


The State Bank of Kansas
FDIC Certificate #10508
BankRate ReportView
Year Established1885
Employees10
Primary RegulatorFDIC

Assets and Liabilities

Assets$71.70 million
Loans$48.20 million
Deposits$58.98 million
Equity Capital$9.61 million
Loan Loss Allowance$744,000
Unbacked Noncurrent Loans$72,000

Historic Data - September 2010

Assets$75.79 million
Equity Capital$9.46 million
Loan Loss Allowance$743,000
Unbacked Noncurrent Loans$14,000

Profit Margin - Quarterly

Net Interest Margin3.63%
Return on Assets1.86%
Return on Equity14.14%
Interest Income$2.32 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 September 30, 2011 InTrust Bank had $72,000 in non-current loans and owned real-estate with $10.35 million in equity and loan loss allowances on hand to cover it. This gives InTrust Bank a Texas Ratio of 0.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for InTrust Bank held steady from 0.14% as of September 30, 2010 to 0.70% as of September 30, 2011, resulting in a negative change of 407.13%. This indicates that the balance sheet and financial strength for InTrust Bank has held steady in recent periods.
Deposit Growth2
In the past year, InTrust Bank has decreased its total deposits by -$1.33 million, resulting in -2.21% 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 below average.
Capitalization5
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 $71.7 million in assets with $10.35 million in equity, resulting in a capitalization level of 14.43%, which is excellent.
Write Review

Intrust Doesn't Want Business - Don't Give It To Them
1 stars - Karla91 - Friday, January 28, 2011 - 6:28 PM

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!

4
 
Featured Savings Account
Nationwide Savings Accounts