Bison State Bank is a state-chartered bank headquartered in Bison, Kansas, in business for about 125 years. At the end of Q2 2026 it reported $125.8M in total assets and $99.0M in deposits, with 2 offices across 2 states.
Based on its Q2 2026 filing, Bison State Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 140th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is capital cushion (53/100; 10.26%).
TellerScore · Q2 2026
Scorecard
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 17 points (51 → 68), mostly because the earnings component improved by 60 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 53 |
| Q4 2024 | 37 |
| Q1 2025 | 38 |
| Q2 2025 | 51 |
| Q3 2025 | 52 |
| Q4 2025 | 57 |
| Q1 2026 | 72 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.82% |
| Q3 2024 | 9.54% |
| Q4 2024 | 9.29% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.19% |
| Q3 2025 | 10.03% |
| Q4 2025 | 9.80% |
| Q1 2026 | 9.90% |
| Q2 2026 | 10.26% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.58% |
| Q4 2024 | 2.29% |
| Q1 2025 | 2.12% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | -0.74% |
| Q4 2024 | -0.60% |
| Q1 2025 | -0.66% |
| Q2 2025 | -1.13% |
| Q3 2025 | -0.15% |
| Q4 2025 | 0.23% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $125.8M | 10.26% | 0.32% | 1.01% | 99.1% |
| Q1 2026 | 72 | $143.4M | 9.90% | 0.12% | 1.64% | 114.8% |
| Q4 2025 | 57 | $123.6M | 9.80% | 0.70% | 0.23% | 99.9% |
| Q3 2025 | 52 | $119.0M | 10.03% | 0.81% | -0.15% | 101.0% |
| Q2 2025 | 51 | $101.6M | 9.19% | 0.77% | -1.13% | 77.9% |
| Q1 2025 | 38 | $102.0M | 9.61% | 2.12% | -0.66% | 89.6% |
| Q4 2024 | 37 | $93.0M | 9.29% | 2.29% | -0.60% | 78.5% |
| Q3 2024 | 53 | $97.2M | 9.54% | 0.58% | -0.74% | 93.2% |
| Q2 2024 | 66 | $92.0M | 10.82% | 0.02% | 0.04% | 93.3% |
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of BernBank Bern, KS | 95 out of 100, Very strong | $128.2M | 17.3% | 0.00% | vs |
| The Stockgrowers State BankBank Maple Hill, KS | 83 out of 100, Strong | $128.3M | 11.6% | 0.13% | vs |
| Community Bank of Wichita, Inc.Bank Wichita, KS | 63 out of 100, Moderate | $128.3M | 8.6% | 0.72% | vs |
| The Wilson State BankBank Wilson, KS | 74 out of 100, Strong | $123.1M | 9.5% | 0.00% | vs |
| The Bendena State BankBank Bendena, KS | 77 out of 100, Strong | $131.5M | 10.0% | 0.00% | vs |
| The Riley State Bank of Riley, KansasBank Riley, KS | 78 out of 100, Strong | $132.0M | 10.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Bison State Bank?
Yes. Bison State Bank is an FDIC-insured institution (FDIC certificate #14083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.5% of deposits ($20.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Bison State Bank lists 2 offices in 2 cities across 2 states. Most locations:
- Bison, KS (1)
- Kansas City, MO (1)
HMDA 2025
Mortgage lending
In 2025, Bison State Bank reported 1,095 home-loan applications under HMDA (LEI 549300T61O0X0RJMQ375): 647 originated ($339,715,000 total), 11 denied, and 433 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, 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
- Bison State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14083
- RSSD ID
- 354
- Primary regulator
- FDIC
- Holding company
- Bison Bancshares Inc
- Established
- January 1, 1901
- Headquarters
- 223 Main St, Bison, KS 67520
- Website
- www.bisonstatebank.com
- Employees
- 51
Quick answers
Bison State Bank: common questions
Is Bison State Bank FDIC insured?
Yes. Bison State Bank is an FDIC-insured institution (FDIC certificate #14083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bison State Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bison State Bank ever failed?
There is no failure record for FDIC certificate #14083 in the FDIC failed bank list.
How many branches does Bison State Bank have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Bison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| Landmark National BankBank Manhattan, KS | 62 out of 100, Moderate | $1.6B | 10.2% | 1.18% | vs |
| Peoples Bank and Trust CompanyBank Mcpherson, KS | 61 out of 100, Moderate | $1.6B | 9.3% | 0.92% | vs |
| SJN Bank of KansasBank Saint John, KS | 37 out of 100, Low | $302.9M | 9.2% | 6.97% | vs |