TellerScore

Bank of the Flint Hills (FDIC certificate #4791) is based in Wamego, Kansas. Its Q2 2026 call report shows $544.5M in total assets and $473.0M in deposits and 8 offices.

Bank of the Flint Hills has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 123rd. Loan quality contributes the most (99/100, 0.03%); capital cushion contributes the least (36/100, 8.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.65%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings82/100
Return on assets (annualized): 1.56%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 90.2% · 25.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.85%

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 rose 5 points (66 → 71), mostly because the loan quality component improved by 17 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202465
Q1 202566
Q2 202566
Q3 202567
Q4 202568
Q1 202668
Q2 202671
Tier 1 leverage ratio
5.00%7.05%9.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.05%
Q3 20248.97%
Q4 20249.11%
Q1 20258.87%
Q2 20258.80%
Q3 20258.68%
Q4 20258.59%
Q1 20268.55%
Q2 20268.65%
Noncurrent loans
0.03%0.34%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.66%
Q4 20240.58%
Q1 20250.55%
Q2 20250.54%
Q3 20250.46%
Q4 20250.42%
Q1 20260.39%
Q2 20260.03%
Return on assets
1.28%1.43%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.30%
Q4 20241.31%
Q1 20251.53%
Q2 20251.50%
Q3 20251.55%
Q4 20251.59%
Q1 20261.54%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$544.5M8.65%0.03%1.56%90.2%
Q1 202668$523.1M8.55%0.39%1.54%83.8%
Q4 202568$509.1M8.59%0.42%1.59%86.6%
Q3 202567$492.9M8.68%0.46%1.55%88.6%
Q2 202566$477.5M8.80%0.54%1.50%88.2%
Q1 202566$468.9M8.87%0.55%1.53%90.9%
Q4 202465$460.8M9.11%0.58%1.31%84.7%
Q3 202465$436.1M8.97%0.66%1.30%84.0%
Q2 202465$434.4M9.05%0.63%1.28%87.0%

2,650 peers · $100 million – $1 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 ratio8.65%
8th
Total risk-based capital11.22%
50th
Problem loans0.03%
82nd
Net charge-offs0.01%
47th
Return on assets1.56%
69th
Net interest margin4.14%
61st
Efficiency ratio61.1%
54th
Loans to deposits90.2%
26th
Uninsured deposits25.5%
44th
Loan-loss reserves1.25%
56th
Texas ratio0.9%
71st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Labette BankBank Altamont, KS68 out of 100, Moderate$544.4M13.1%1.73%vs
Silver Lake BankBank Topeka, KS77 out of 100, Strong$548.2M10.9%0.00%vs
Citizens Bank of KansasBank Kingman, KS72 out of 100, Strong$548.4M8.5%0.02%vs
The Peoples BankBank Pratt, KS75 out of 100, Strong$531.1M9.3%0.37%vs
Mid-America BankBank Baldwin City, KS76 out of 100, Strong$573.3M10.2%0.13%vs
First State Bank and TrustBank Tonganoxie, KS66 out of 100, Moderate$514.9M8.6%0.48%vs

Deposit insurance

Is my money safe at Bank of the Flint Hills?

Yes. Bank of the Flint Hills is an FDIC-insured institution (FDIC certificate #4791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($120.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.22% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Bank of the Flint Hills lists 7 offices in 6 cities. Most locations:

  • Manhattan, KS (2)
  • Alma, KS (1)
  • Rossville, KS (1)
  • Saint Marys, KS (1)
  • Wamego, KS (1)
  • White City, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of the Flint Hills reported 219 home-loan applications under HMDA (LEI 5493002HI2PDK2BQF091): 183 originated ($48,705,000 total), 12 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, 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
Bank of the Flint Hills
Former names
The First National Bank of Wamego
Type
State-chartered bank (Fed member)
FDIC certificate #
4791
RSSD ID
552059
Primary regulator
FED
Holding company
Wamego Bancshares Inc
Established
January 1, 1875
Headquarters
806 5th St, Wamego, KS 66547
Employees
81

Quick answers

Bank of the Flint Hills: common questions

Is Bank of the Flint Hills FDIC insured?

Yes. Bank of the Flint Hills is an FDIC-insured institution (FDIC certificate #4791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of the Flint Hills's TellerScore?

71 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 Bank of the Flint Hills ever failed?

There is no failure record for FDIC certificate #4791 in the FDIC failed bank list.

How many branches does Bank of the Flint Hills have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wamego

InstitutionScoreAssetsCapitalProblem loansCompare
Union State BankBank Olsburg, KS89 out of 100, Very strong$44.3M12.7%0.00%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
The Stockgrowers State BankBank Maple Hill, KS83 out of 100, Strong$128.3M11.6%0.13%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs