Impact Bank (FDIC certificate #17399) is based in Wellington, Kansas. Its Q2 2026 call report shows $167.2M in total assets and $153.0M in deposits and 2 offices.
Impact Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 57th. Problem-loan coverage contributes the most (100/100, 0.2%); capital cushion contributes the least (56/100, 10.62%).
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 16 points (64 → 80), mostly because the loan quality component improved by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 50 |
| Q4 2024 | 48 |
| Q1 2025 | 56 |
| Q2 2025 | 64 |
| Q3 2025 | 70 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.38% |
| Q3 2024 | 10.50% |
| Q4 2024 | 9.65% |
| Q1 2025 | 9.89% |
| Q2 2025 | 10.24% |
| Q3 2025 | 10.73% |
| Q4 2025 | 10.41% |
| Q1 2026 | 10.78% |
| Q2 2026 | 10.62% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.55% |
| Q3 2024 | 2.36% |
| Q4 2024 | 2.21% |
| Q1 2025 | 1.72% |
| Q2 2025 | 1.13% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.95% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $167.2M | 10.62% | 0.03% | 1.67% | 64.7% |
| Q1 2026 | 78 | $171.0M | 10.78% | 0.05% | 1.35% | 66.2% |
| Q4 2025 | 77 | $164.4M | 10.41% | 0.02% | 1.32% | 66.0% |
| Q3 2025 | 70 | $158.9M | 10.73% | 0.78% | 1.18% | 71.4% |
| Q2 2025 | 64 | $159.2M | 10.24% | 1.13% | 1.19% | 73.9% |
| Q1 2025 | 56 | $162.1M | 9.89% | 1.72% | 1.13% | 74.7% |
| Q4 2024 | 48 | $169.4M | 9.65% | 2.21% | 0.95% | 73.8% |
| Q3 2024 | 50 | $161.9M | 10.50% | 2.36% | 0.96% | 76.5% |
| Q2 2024 | 48 | $167.0M | 10.38% | 2.55% | 1.02% | 72.5% |
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 |
|---|---|---|---|---|---|
| American Bank of Baxter SpringsBank Baxter Springs, KS | 72 out of 100, Strong | $170.2M | 10.0% | 0.00% | vs |
| First BankBank Sterling, KS | 45 out of 100, Below average | $162.4M | 12.4% | 7.82% | vs |
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| The Community BankBank Liberal, KS | 85 out of 100, Very strong | $173.5M | 12.8% | 0.04% | vs |
| The First National Bank of Scott CityBank Scott City, KS | 85 out of 100, Very strong | $173.8M | 14.5% | 0.33% | vs |
| Farmers Bank & TrustBank Atwood, KS | 73 out of 100, Strong | $159.0M | 10.6% | 0.75% | vs |
Deposit insurance
Is my money safe at Impact Bank?
Yes. Impact Bank is an FDIC-insured institution (FDIC certificate #17399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.7% of deposits ($51.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.49% (benchmark: 10%).
2 locations
Branches
Impact Bank lists 2 offices in 2 cities. Most locations:
- Caldwell, KS (1)
- Wellington, KS (1)
Identity & history
Profile
- Legal name
- Impact Bank
- Former names
- The Caldwell State Bank in Caldwell, Kansas
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 17399
- RSSD ID
- 369453
- Primary regulator
- FED
- Holding company
- First Financial Corp
- Established
- April 3, 1928
- Headquarters
- 206 E Harvey Ave, Wellington, KS 67152
- Website
- www.impact-bank.com
- Employees
- 19
Quick answers
Impact Bank: common questions
Is Impact Bank FDIC insured?
Yes. Impact Bank is an FDIC-insured institution (FDIC certificate #17399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Impact Bank's TellerScore?
80 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 Impact Bank ever failed?
There is no failure record for FDIC certificate #17399 in the FDIC failed bank list.
How many branches does Impact Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wellington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Security State BankBank Wellington, KS | 79 out of 100, Strong | $55.1M | 15.6% | 1.44% | vs |
| The Valley State BankBank Belle Plaine, KS | 78 out of 100, Strong | $200.5M | 12.2% | 0.09% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |