KS StateBank

Overview / Commentary
1010 Westloop Place
Manhattan, KS 66502

KS StateBank is headquartered in Manhattan and is the 8th largest bank in the state of Kansas. It is also the 474th largest bank in the nation. It was established in 1969 and as of June of 2022, it had grown to 198 employees at 6 locations. KS StateBank has an A health rating.

Related Posts

KS StateBank Pushes All CD and Jumbo CD Rates Upward - 5/13/2022

KS StateBank has once again increased rates on all its competitive nationally available CDs ($500 min) and Online Jumbo CD Specials ($100k min).

KS StateBank Boosts All CD and Jumbo CD Rates Again - 5/2/2022

KS StateBank has again upped the rates on all its very competitive nationally available CDs ($500 min) and Online Jumbo CD Specials ($100k min).

Ksstatebank-Close To Being Rate Leader And Or New Rate Leader - 5/1/2022

1 Year CD  1.79% 1.80% $500 1 Year Jumbo CD -- Internet Only Special 1.79% 1.80% $100,000 Must be opened online. Not available as an IRA. Cannot be opened in the name of a trust. Consumer accounts only. 18 Month Jumbo CD -- Internet Only Special 1.99% 2.00% $100,000 Must be opened online. Not available as an IRA. Cannot be opened in the name of a trust. Consumer accounts only. 2 Year CD  2.33% 2.35%  $500 2 Year Jumbo CD -- Internet Only Special 2.33% 2.35% $100,000 Must be opened online. Not available as an IRA. Cannot be opened in the name of a trust. Consumer accounts only. 27 Month Jump Up CD  2.33% 2.35%  $1,000 Jump Up option allowed one time during term of CD if rate of same term/product goes up. Requests for “jump” can be done in person, by telephone or by Online Banking Secure Message. 3 Year CD  2.67% 2.70%  $500 3 Year Jumbo CD -- Internet Only Special 2.67% 2.70% $100,000 The only higher rates I have seen are broker or Department of Commerce FCU (which did not reco

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Reviews (7)

Easy Online Experience

Opened a 2-year CD today and was easy to do. Had no problem with electronic pull from my funding bank account. There was place on form to add POD also, which a lot of online forms don't offer. Only hitch was where it asked how the funding bank was styled I put the "&" sign between my name and my husband's. Application said that wasn't right, then I entered both names with no comma or "&" between them and it went through. Called to make sure they got app and within 10 minutes of turning it in it was approved. Courtney at bank was very knowledgeable .

Interest Payment

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I was pleased with the CD account opening process. Pretty straight forward and Cortney was a great help.

Like a few other banks and credit unions, they only credit interest quarterly.

No external accounts are linked, even the account you funded the CD with. Guess you must have to have a savings account to link external accounts.

Poor Busisness Practices

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I have had an account with KS State Bank since roughly 2006. I will be closing it as soon as I get direct deposit established at another bank.
I purchased fuel on 11/12/19, and on 11/14/19 I had to use my bank for another transaction which I knew would cause an overdraft fee. The overdraft fee would have been less then the late fee, and I had a direct deposit coming in on the next day anyway.

When I checked my account the next day, they had reordered my transactions and put the 11/12 fuel purchase AFTER the 11/14 transaction causing me to incur 2 overdraft fees instead of one. I contacted them thinking it was a mistake and they said it was normal, fine, and not an issue. They refused to refund it because they based the transaction off of when the payment cleared, not when it was made, and then prioritized the larger of the 2 transactions which maximized the fees they could charge me. Their refusal to reverse the fee is why I am leaving, as I consider it a poor practice.
They get 2 starts because what they did is not inconsistent with the fine print, nor is it illegal. It is just a bad practice that takes more money from people who are already on a right budget.

Buyer Beware KS State Bank!

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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

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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???

Funding Of New Account Is Slow

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Money had been withdrawn from my external bank account to fund the KS State new account, but the KS State new account has not been funded. So you lose interest when opening new accounts with them.

Hard Credit Pull For A CD

After applying for KS StateBank's 1 year CD, I received a call from them wanting me to unfreeze my credit report, answer the three questions provided by Experian and then refreeze it.

I decided to park my CD elsewhere for the following reasons:
1) I was allowing them the use of my money. I was not taking out a loan or asking for credit.
2) The hard pull would have dinged my credit score.
3) They were attempting to get me to spend money, while I was looking for an institution to save money. I would have lost the ten dollars that it costs to unfreeze and refreeze the credit report.
4) There was no reason to have the answers to my personal questions affiliated with my credit report. Having had access to my credit report is more than enough for the rest of the banking world to tell them of my credit worthiness. It should have been enough for KS State Bank.


Health Grade Components

FDIC Certificate #19899
Year Established1969
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.01%
Return on Equity - YTD17.79%
Annual Interest Income$46.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$2.34B$2.39B
LoansQ2 2022vs Q2 2021$1.81B$1.77B
DepositsQ2 2022vs Q2 2021$2.00B$2.03B
Equity CapitalQ2 2022vs Q2 2021$259.9MM$254.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$32.7MM$30.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$12.6MM$6.9MM
Real Estate OwnedQ2 2022vs Q2 2021$436.00K$406.00K

Rates for KS StateBank are currently being reviewed.


KS StateBank Locations
Kansas State Bank Of Manhattan1010 Westloop PlManhattan, KS 66502
Wichita Branch1424 South Maize RoadWichita, KS 67209
Junction City Branch539 West Sixth StreetJunction City, KS 66441
Aggieville Branch1101 Bluemont AveManhattan, KS 66502
Downtown Branch555 Poyntz AveManhattan, KS 66502
Highway 24 Branch8803 East Highway 24Manhattan, KS 66502
Phoenix Branch5110 North Central AvenuePhoenix, AZ 85012

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