TellerScore

Headquartered in Larned, Kansas, Fusion Bank is a state-chartered bank (fed member) with $281.0M in total assets and $219.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1896.

Based on its Q2 2026 filing, Fusion Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 20th. Its strongest component is earnings (100/100; 2.01%), and its lowest is capital cushion (78/100; 12.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.76%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings100/100
Return on assets (annualized): 2.01%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 58.3% · 24.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.70%

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 7 points (95 → 88), mostly because the capital cushion component weakened by 17 points.

TellerScore
869195Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202486
Q4 202493
Q1 202589
Q2 202595
Q3 202590
Q4 202593
Q1 202692
Q2 202688
Tier 1 leverage ratio
5.00%9.77%14.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.80%
Q3 202411.93%
Q4 202413.68%
Q1 202512.91%
Q2 202514.55%
Q3 202513.82%
Q4 202514.54%
Q1 202614.30%
Q2 202612.76%
Noncurrent loans
0.00%0.24%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.47%
Return on assets
1.72%1.89%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.04%
Q3 20242.07%
Q4 20241.95%
Q1 20251.72%
Q2 20251.74%
Q3 20251.89%
Q4 20251.88%
Q1 20261.78%
Q2 20262.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$281.0M12.76%0.47%2.01%58.3%
Q1 202692$233.6M14.30%0.00%1.78%72.9%
Q4 202593$246.6M14.54%0.00%1.88%68.3%
Q3 202590$218.2M13.82%0.00%1.89%77.1%
Q2 202595$260.6M14.55%0.00%1.74%52.1%
Q1 202589$235.4M12.91%0.00%1.72%59.7%
Q4 202493$264.0M13.68%0.00%1.95%52.6%
Q3 202486$214.1M11.93%0.00%2.07%69.5%
Q2 202490$213.4M12.80%0.00%2.04%67.1%

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 ratio12.76%
73rd
Total risk-based capital0.00%
24th
Problem loans0.47%
47th
Net charge-offs-0.00%
79th
Return on assets2.01%
87th
Net interest margin3.95%
51st
Efficiency ratio50.2%
83rd
Loans to deposits58.3%
85th
Uninsured deposits24.1%
50th
Loan-loss reserves1.64%
85th
Texas ratio1.7%
61st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State Bank and Trust Co., Ellsworth, KansasBank Ellsworth, KS72 out of 100, Strong$275.9M9.7%0.12%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
FNB BankBank Goodland, KS45 out of 100, Below average$270.3M10.2%4.03%vs
Patriots BankBank Garnett, KS77 out of 100, Strong$268.8M9.2%0.00%vs
First Kansas BankBank Hoisington, KS74 out of 100, Strong$294.4M8.3%0.00%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs

Deposit insurance

Is my money safe at Fusion Bank?

Yes. Fusion Bank is an FDIC-insured institution (FDIC certificate #15899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($52.8M) 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 12.76%, 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%).

Check how much of your own balance is covered

3 locations

Branches

Fusion Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fusion Bank
Former names
The First State Bank & Trust Co. of Larned; The First State Bank of Larned
Type
State-chartered bank (Fed member)
FDIC certificate #
15899
RSSD ID
9955
Primary regulator
FED
Holding company
First State Financial Corp
Established
January 1, 1896
Headquarters
116 W 6th St, Larned, KS 67550
Employees
20

Quick answers

Fusion Bank: common questions

Is Fusion Bank FDIC insured?

Yes. Fusion Bank is an FDIC-insured institution (FDIC certificate #15899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fusion Bank's TellerScore?

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

Has Fusion Bank ever failed?

There is no failure record for FDIC certificate #15899 in the FDIC failed bank list.

How many branches does Fusion Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Larned

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
Bank of HaysBank Hays, KS75 out of 100, Strong$379.2M10.0%0.47%vs
Credit Union of AmericaCredit union Wichita, KS75 out of 100, Strong$1.9B12.7%0.64%vs
First Kansas BankBank Hoisington, KS74 out of 100, Strong$294.4M8.3%0.00%vs
Bank of the PlainsBank Plains, KS71 out of 100, Strong$445.6M9.3%0.44%vs