KS StateBank is headquartered in MANHATTAN and is the 7th largest bank in the state of Kansas. It is also the 476th largest bank in the nation. It was established in 1969 and as of March of 2025, it had grown to 178 employees at 6 locations. KS StateBank's money market rates are 7X the national average, and it has an A health rating.
Best Bank To Open A New CD With!
I have bought dozens of online CDs over many decades. This was by far the easiest!
No issues whatsoever in opening the account, adding a joint owner, and then beneficiaries. I did have an issue accessing their Online Banking. I guess I just went after it too soon. BUT my phone call on the issue was answered immediately and I got transferred to an excellent, knowledgeable rep. who handled my issue in a minute.
A refreshing experience! Thumbs Up to KSB!
Great Bank, Easy To Work With
We've had a CD before with them, and while it took awhile to open last year due to the demand, they kept us updated. Today we opened new CD's at 5.65% for 11 months, and they were approved withing an hour. Excellent service, and we've never had any issues with KS State bank Other banks can be difficult, but not KS State.
Took A While, But OK
I applied for two CDs, it took over a week to get the account opened and ACH completed... but in the end, everything worked out ok, and they honored the original date the application was accepted.
Shout Out!!!
I have had no problems with Kansas State Bank. It is a little different creating a CD account online, then going into a bank branch. I think the Website could be more user friendly. No big deal when a CD just sits there. Not quite sure I would like the website for everyday banking. Kansas State Bank does have very competitive rates. Not thrilled they credit your account quarterly. CUSTOMER SERVICE: I found this funny and a great experience. Today is Saturday. I sent Kansas State Bank a secure message asking a low priority question. Within 5 minutes, I received a response. Did not expect any reply till Monday, at the earliest. I would like to give a shout out to Kansas State Bank for their customer service.
7 Year 4.99%
Nailed a 7 year 4.99% CD. Took awhile for processing, but worth the wait.
Buyer Beware KS State Bank!
Applied for a CD on their website. Very lengthy application process to open a Deposit account. And they do a credit pull to open a CD account? Who does that? I am making a deposit, not asking for credit. At end of application form it says PENDING. I received NO email about the application or anything to say thank you for your business. The following day I see that my funding bank account has been debited, but still nothing from KS Bank. When I contact CS I am told "don't know why you didn't get a confirmation email" but we will send you a letter via snail mail. You mean I can apply online but KS Bank can't send me an online reply? Also, ACH funds are transferred electronically, so once they leave my bank they are transferred almost immediately, but CS rep says it will take 3-5 days for them to get my deposit! BS.... 6 days later I have heard NOTHING from the bank. I cannot even set up an online banking account without info from them about the CD. TERRIBLE customer service! I was going to purchase some large CDs from them but not anymore. I WOULD AVOID THIS BANK.
Bank Declines My CD Application
It appears that this bank declined my CD application because of my credit report in that they assumed I was just trying to get their 1.8% CD interest rates and would get NO additional business from me. They are appearing to be offering the rate to just be TROLLING for additional business. I have PERFECT credit and am loaning them the $'s not them to me so what does a credit report have to do with a CD application???
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 19899 |
| Year Established | 1969 |
| Employees | 178 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.72% |
| Return on Equity - YTD | 13.95% |
| Annual Interest Income | $36.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $2.65B$2.41B |
| Loans | Q1 2025vs Q1 2024 | $2B$1.91B |
| Deposits | Q1 2025vs Q1 2024 | $2.23B$2.01B |
| Equity Capital | Q1 2025vs Q1 2024 | $303.4MM$303.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $36.1MM$36.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $20.9MM$20.4MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $3MM$2.4MM |