TellerScore

Armed Forces Bank, National Association is a national bank headquartered in Fort Leavenworth, Kansas, in business for about 119 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 15 offices across 10 states.

Based on its Q2 2026 filing, Armed Forces Bank, National Association scores 83/100, which we describe as strong. That is higher than 94% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 38th. Its strongest component is funding & liquidity (98/100; 59% loans-to-deposits, 17% uninsured), and its lowest is loan quality (60/100; 1.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Tier 1 leverage ratio: 13.92%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.21%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 59.3% · 17.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (91 → 83), mostly because the loan quality component weakened by 36 points.

TellerScore
838892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202491
Q4 202491
Q1 202591
Q2 202591
Q3 202592
Q4 202588
Q1 202683
Q2 202683
Tier 1 leverage ratio
5.00%9.78%14.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.10%
Q3 202414.32%
Q4 202414.26%
Q1 202514.43%
Q2 202514.38%
Q3 202514.55%
Q4 202513.43%
Q1 202613.69%
Q2 202613.92%
Noncurrent loans
0.08%0.64%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.10%
Q4 20240.09%
Q1 20250.08%
Q2 20250.13%
Q3 20250.09%
Q4 20250.14%
Q1 20261.08%
Q2 20261.21%
Return on assets
1.31%1.52%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.46%
Q4 20241.43%
Q1 20251.31%
Q2 20251.33%
Q3 20251.39%
Q4 20251.47%
Q1 20261.74%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.4B13.92%1.21%1.70%59.3%
Q1 202683$1.4B13.69%1.08%1.74%62.1%
Q4 202588$1.4B13.43%0.14%1.47%64.9%
Q3 202592$1.4B14.55%0.09%1.39%66.8%
Q2 202591$1.4B14.38%0.13%1.33%62.7%
Q1 202591$1.4B14.43%0.08%1.31%63.6%
Q4 202491$1.4B14.26%0.09%1.43%67.6%
Q3 202491$1.4B14.32%0.10%1.46%71.3%
Q2 202489$1.4B14.10%0.09%1.35%72.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.92%
90th
Total risk-based capital25.86%
96th
Problem loans1.21%
22nd
Net charge-offs0.39%
10th
Return on assets1.70%
79th
Net interest margin4.17%
76th
Efficiency ratio65.6%
30th
Loans to deposits59.3%
93rd
Uninsured deposits17.1%
88th
Loan-loss reserves1.62%
90th
Texas ratio4.5%
42nd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Bennington State BankBank Salina, KS75 out of 100, Strong$1.4B9.5%0.29%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs
Peoples Bank and Trust CompanyBank Mcpherson, KS61 out of 100, Moderate$1.6B9.3%0.92%vs
Landmark National BankBank Manhattan, KS62 out of 100, Moderate$1.6B10.2%1.18%vs
Nbkc BankBank Leawood, KS82 out of 100, Strong$1.2B17.1%1.45%vs

Deposit insurance

Is my money safe at Armed Forces Bank, National Association?

Yes. Armed Forces Bank, National Association is an FDIC-insured institution (FDIC certificate #4666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.1% of deposits ($208.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.86% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Armed Forces Bank, National Association lists 14 offices in 14 cities across 10 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Armed Forces Bank, National Association reported 2,342 home-loan applications under HMDA (LEI 5493007CLWQN2S6IZK91): 1,339 originated ($610,595,000 total), 347 denied, and 644 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Armed Forces Bank, National Association
Former names
Army National Bank; The Army National Bank of Fort Leavenworth
Type
National bank
FDIC certificate #
4666
RSSD ID
983457
Primary regulator
OCC
Holding company
Dickinson Financial Corp II
Established
January 1, 1907
Headquarters
320 Kansas Ave, Fort Leavenworth, KS 66027
Website
afbank.com
Employees
251

Quick answers

Armed Forces Bank, National Association: common questions

Is Armed Forces Bank, National Association FDIC insured?

Yes. Armed Forces Bank, National Association is an FDIC-insured institution (FDIC certificate #4666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Armed Forces Bank, National Association's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Armed Forces Bank, National Association ever failed?

There is no failure record for FDIC certificate #4666 in the FDIC failed bank list.

How many branches does Armed Forces Bank, National Association have?

15 offices as of the latest FDIC data, in 10 states.

Nearby

Highest-scoring banks and credit unions with branches near Fort Leavenworth

InstitutionScoreAssetsCapitalProblem loansCompare
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
U S P L K Employees Federal Credit UnionCredit union Leavenworth, KS87 out of 100, Very strong$34.0M13.9%0.15%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs
Security Bank of Kansas CityBank Kansas City, KS85 out of 100, Very strong$3.9B12.8%0.03%vs