TellerScore

Headquartered in Wichita, Kansas, Community Bank of Wichita, Inc. is a state-chartered bank with $128.3M in total assets and $117.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1999.

Based on its Q2 2026 filing, Community Bank of Wichita, Inc. scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 159th. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is capital cushion (36/100; 8.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.64%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.72%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 87.2% · 19.3% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.61%

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 3 points (60 → 63), mostly because the earnings component improved by 14 points.

TellerScore
586265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202465
Q1 202564
Q2 202560
Q3 202564
Q4 202563
Q1 202658
Q2 202663
Tier 1 leverage ratio
5.00%7.12%9.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.06%
Q3 20249.13%
Q4 20249.24%
Q1 20259.11%
Q2 20258.99%
Q3 20258.71%
Q4 20258.46%
Q1 20268.54%
Q2 20268.64%
Noncurrent loans
0.42%0.77%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.96%
Q4 20240.53%
Q1 20250.53%
Q2 20250.83%
Q3 20250.52%
Q4 20250.42%
Q1 20261.11%
Q2 20260.72%
Return on assets
0.83%1.05%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.88%
Q4 20240.93%
Q1 20250.87%
Q2 20250.93%
Q3 20251.02%
Q4 20251.04%
Q1 20261.10%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$128.3M8.64%0.72%1.27%87.2%
Q1 202658$126.2M8.54%1.11%1.10%85.2%
Q4 202563$121.5M8.46%0.42%1.04%86.8%
Q3 202564$121.7M8.71%0.52%1.02%82.9%
Q2 202560$116.6M8.99%0.83%0.93%83.9%
Q1 202564$114.1M9.11%0.53%0.87%80.5%
Q4 202465$107.6M9.24%0.53%0.93%84.1%
Q3 202459$109.1M9.13%0.96%0.88%83.3%
Q2 202460$109.8M9.06%0.72%0.83%87.3%

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).

Capital ratio8.64%
8th
Total risk-based capital12.19%
53rd
Problem loans0.72%
37th
Net charge-offs0.17%
14th
Return on assets1.27%
51st
Net interest margin4.57%
82nd
Efficiency ratio61.4%
53rd
Loans to deposits87.2%
32nd
Uninsured deposits19.3%
67th
Loan-loss reserves1.13%
42nd
Texas ratio6.6%
28th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Stockgrowers State BankBank Maple Hill, KS83 out of 100, Strong$128.3M11.6%0.13%vs
The State Bank of BernBank Bern, KS95 out of 100, Very strong$128.2M17.3%0.00%vs
Bison State BankBank Bison, KS68 out of 100, Moderate$125.8M10.3%0.32%vs
The Bendena State BankBank Bendena, KS77 out of 100, Strong$131.5M10.0%0.00%vs
The Riley State Bank of Riley, KansasBank Riley, KS78 out of 100, Strong$132.0M10.5%0.00%vs
The Wilson State BankBank Wilson, KS74 out of 100, Strong$123.1M9.5%0.00%vs

Deposit insurance

Is my money safe at Community Bank of Wichita, Inc.?

Yes. Community Bank of Wichita, Inc. is an FDIC-insured institution (FDIC certificate #35118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.3% of deposits ($22.7M) 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 8.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.19% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community Bank of Wichita, Inc. lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank of Wichita, Inc. reported 68 home-loan applications under HMDA (LEI 549300UTNHGSP4ICJE17): 65 originated ($18,075,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Community Bank of Wichita, Inc.
Type
State-chartered bank
FDIC certificate #
35118
RSSD ID
2775692
Primary regulator
FDIC
Holding company
Community State Bancshares Inc
Established
August 16, 1999
Headquarters
11330 E 21st St N, Wichita, KS 67206
Employees
21

Quick answers

Community Bank of Wichita, Inc.: common questions

Is Community Bank of Wichita, Inc. FDIC insured?

Yes. Community Bank of Wichita, Inc. is an FDIC-insured institution (FDIC certificate #35118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank of Wichita, Inc.'s TellerScore?

63 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 Community Bank of Wichita, Inc. ever failed?

There is no failure record for FDIC certificate #35118 in the FDIC failed bank list.

How many branches does Community Bank of Wichita, Inc. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wichita

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Moundridge, KS95 out of 100, Very strong$450.6M14.4%0.01%vs
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
The Valley State BankBank Belle Plaine, KS78 out of 100, Strong$200.5M12.2%0.09%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs