Elk State Bank (FDIC certificate #15259) is based in Clyde, Kansas. Its Q2 2026 call report shows $138.7M in total assets and $109.0M in deposits and 3 offices.
Based on its Q2 2026 filing, Elk 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 139th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (32/100; 8.25%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.20% |
| Q3 2024 | 7.82% |
| Q4 2024 | 8.06% |
| Q1 2025 | 8.12% |
| Q2 2025 | 8.25% |
| Q3 2025 | 8.34% |
| Q4 2025 | 8.17% |
| Q1 2026 | 7.86% |
| Q2 2026 | 8.25% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $138.7M | 8.25% | 0.00% | 0.70% | 70.4% |
| Q1 2026 | 68 | $141.2M | 7.86% | 0.01% | 0.75% | 66.9% |
| Q4 2025 | 67 | $138.9M | 8.17% | 0.01% | 0.67% | 75.0% |
| Q3 2025 | 69 | $133.0M | 8.34% | 0.01% | 0.77% | 68.0% |
| Q2 2025 | 68 | $132.6M | 8.25% | 0.01% | 0.71% | 68.7% |
| Q1 2025 | 68 | $134.2M | 8.12% | 0.01% | 0.76% | 67.3% |
| Q4 2024 | 65 | $133.3M | 8.06% | 0.01% | 0.42% | 71.4% |
| Q3 2024 | 65 | $134.8M | 7.82% | 0.01% | 0.43% | 67.2% |
| Q2 2024 | 66 | $131.8M | 8.20% | 0.01% | 0.51% | 69.7% |
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 |
|---|---|---|---|---|---|
| First Commerce BankBank Marysville, KS | 79 out of 100, Strong | $138.5M | 11.8% | 0.26% | vs |
| The Citizens State BankBank Hugoton, KS | 80 out of 100, Strong | $137.5M | 13.5% | 0.30% | vs |
| The First National Bank in CimarronBank Cimarron, KS | 80 out of 100, Strong | $143.5M | 9.6% | 0.25% | vs |
| The Riley State Bank of Riley, KansasBank Riley, KS | 78 out of 100, Strong | $132.0M | 10.5% | 0.00% | vs |
| The Bendena State BankBank Bendena, KS | 77 out of 100, Strong | $131.5M | 10.0% | 0.00% | vs |
| Community Bank of Wichita, Inc.Bank Wichita, KS | 63 out of 100, Moderate | $128.3M | 8.6% | 0.72% | vs |
Deposit insurance
Is my money safe at Elk State Bank?
Yes. Elk State Bank is an FDIC-insured institution (FDIC certificate #15259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.6% of deposits ($6.1M) 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 8.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.26% (benchmark: 10%).
3 locations
Branches
Elk State Bank lists 3 offices in 3 cities. Most locations:
- Clyde, KS (1)
- Concordia, KS (1)
- Seneca, KS (1)
Identity & history
Profile
- Legal name
- Elk State Bank
- Former names
- The Elk State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15259
- RSSD ID
- 679451
- Primary regulator
- FDIC
- Holding company
- Elkcorp Inc
- Established
- January 1, 1896
- Headquarters
- 328 Washington St, Clyde, KS 66938
- Website
- www.elkstatebank.com
- Employees
- 17
Quick answers
Elk State Bank: common questions
Is Elk State Bank FDIC insured?
Yes. Elk State Bank is an FDIC-insured institution (FDIC certificate #15259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Elk 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 Elk State Bank ever failed?
There is no failure record for FDIC certificate #15259 in the FDIC failed bank list.
How many branches does Elk State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clyde
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FNB WashingtonBank Washington, KS | 92 out of 100, Very strong | $87.8M | 25.9% | 0.18% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| New Century BankBank Belleville, KS | 79 out of 100, Strong | $88.9M | 13.2% | 0.87% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |