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1010 West Loop
Manhattan, KS 66502

Kansas State Bank is headquartered in Manhattan and is the 8th largest bank in the state of Kansas. It is also the 610st largest bank in the nation. It was established in 1969 and as of March of 2014, it had grown to 200 employees at 7 locations. Kansas State Bank's money market rates are 59% higher than the national average, and it boasts a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kansas State Bank had $1.87 million in non-current loans and owned real-estate with $117.07 million in equity and loan loss allowances on hand to cover it. This gives Kansas State Bank a Texas Ratio of 1.59% 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 Kansas State Bank decreased dramatically from 3.42% as of March 31, 2013 to 1.59% as of March 31, 2014, resulting in a positive change of 53.41%.This indicates that the balance sheet and financial strength for Kansas State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Kansas State Bank has increased its total deposits by $154.18 million, resulting in 19.78% 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 Kansas State Bank has shown is excellent.



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. Kansas State Bank has $1.11 billion in assets with $117.07 million in equity, resulting in a capitalization level of 10.59%, which is above average.

Institution Statistics

FDIC Certificate #19899
Year Established1969
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.11 billion
Loans$826.84 million
Deposits$933.60 million
Equity Capital$99.64 million
Loan Loss Allowance$17.43 million
Unbacked Noncurrent Loans$1.86 million
Real Estate Owned$10,000
Historic Data - March 2013
Assets$949.44 million
Equity Capital$88.21 million
Loan Loss Allowance$16.60 million
Unbacked Noncurrent Loans$1.86 million
Real Estate Owned$1.45 million
Profit Margin - Quarterly
Return on Assets1.74%
Return on Equity19.53%
Interest Income$11.28 million

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Kansas State Bank Savings Account Rates

0.50%$100-Simple Savings

Kansas State Bank Money Market Rates

0.70%$100k-Advantage Money Market
0.50%$50k-Business Money Market

Kansas State Bank Checking Account Rates

1.90%-$25kChecking PLUS - Qualifying
0.25%--Checking PLUS - Non Qualifying

Kansas State Bank CD Rates

1.60%$500-5 Year CD
1.50%$500-4 Year CD
1.20%$500-3 Year CD
1.00%$1k-27 Month Jump Up CD Special
0.75%$500-2 Year CD
0.55%$500-1 Year CD

Kansas State Bank Locations
Kansas State Bank Of Manhattan1010 West LoopManhattan, KS 66502
Drive-In Facility11th and BluemontManhattan, KS 66502
Wichita Branch1424 South Maize RoadWichita, KS 67209
Sonoran Bank Branch3877 North 7th Street, Suite 150Phoenix, AZ 85014
Junction City Branch539 West Sixth StreetJunction City, KS 66441
Poyntz Avenue Branch555 Poyntz AvenueManhattan, KS 66502
Highway 24 Branch8803 East Highway 24Manhattan, KS 66502