TellerScore

Intrust Bank, National Association (FDIC certificate #4799) is based in Wichita, Kansas. Its Q2 2026 call report shows $6.8B in total assets and $6.0B in deposits and 40 offices across 3 states.

Intrust Bank, National Association has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 104th. Problem-loan coverage contributes the most (91/100, 4.7%); capital cushion contributes the least (58/100, 10.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.76%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 72.3% · 24.5% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.74%

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 7 points (66 → 73), mostly because the earnings component improved by 13 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202464
Q1 202563
Q2 202566
Q3 202567
Q4 202570
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%7.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.31%
Q3 20249.39%
Q4 20249.60%
Q1 20259.97%
Q2 20259.92%
Q3 202510.24%
Q4 202510.19%
Q1 202610.45%
Q2 202610.76%
Noncurrent loans
0.38%0.72%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.38%
Q4 20240.72%
Q1 20251.05%
Q2 20250.86%
Q3 20250.86%
Q4 20250.76%
Q1 20260.60%
Q2 20260.60%
Return on assets
0.75%1.07%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.75%
Q4 20240.79%
Q1 20250.96%
Q2 20251.09%
Q3 20251.13%
Q4 20251.20%
Q1 20261.31%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$6.8B10.76%0.60%1.40%72.3%
Q1 202672$6.8B10.45%0.60%1.31%70.1%
Q4 202570$7.0B10.19%0.76%1.20%65.8%
Q3 202567$6.8B10.24%0.86%1.13%67.7%
Q2 202566$6.8B9.92%0.86%1.09%67.4%
Q1 202563$7.1B9.97%1.05%0.96%64.3%
Q4 202464$7.1B9.60%0.72%0.79%62.5%
Q3 202467$7.3B9.39%0.38%0.75%61.0%
Q2 202466$7.1B9.31%0.45%0.75%62.5%

897 peers · $1 billion – $10 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 ratio10.76%
56th
Total risk-based capital14.62%
62nd
Problem loans0.60%
43rd
Net charge-offs0.04%
49th
Return on assets1.40%
62nd
Net interest margin3.56%
41st
Efficiency ratio59.1%
50th
Loans to deposits72.3%
81st
Uninsured deposits24.5%
71st
Loan-loss reserves1.18%
55th
Texas ratio4.7%
40th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Equity BankBank Andover, KS65 out of 100, Moderate$7.7B10.6%1.18%vs
Security Bank of Kansas CityBank Kansas City, KS85 out of 100, Very strong$3.9B12.8%0.03%vs
Capitol Federal Savings BankBank Topeka, KS61 out of 100, Moderate$9.7B9.6%0.62%vs
Fidelity Bank, National AssociationBank Wichita, KS60 out of 100, Moderate$3.3B10.0%0.75%vs
Emprise BankBank Wichita, KS66 out of 100, Moderate$2.8B7.7%0.37%vs
KS StateBankBank Manhattan, KS64 out of 100, Moderate$2.6B13.0%2.49%vs

Deposit insurance

Is my money safe at Intrust Bank, National Association?

Yes. Intrust Bank, National Association is an FDIC-insured institution (FDIC certificate #4799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.5% of deposits ($1.5B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.62% (benchmark: 10%).

Check how much of your own balance is covered

40 locations

Branches

Intrust Bank, National Association lists 40 offices in 23 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Intrust Bank, National Association reported 837 home-loan applications under HMDA (LEI 549300IXP5DNWSGY6F96): 548 originated ($130,230,000 total), 208 denied, and 65 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.9%, 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
Intrust Bank, National Association
Former names
First National Bank in Wichita
Type
National bank
FDIC certificate #
4799
RSSD ID
557858
Primary regulator
OCC
Holding company
Intrust Financial Corp
Established
November 1, 1876
Headquarters
105 N Main St, Wichita, KS 67202
Employees
808

Quick answers

Intrust Bank, National Association: common questions

Is Intrust Bank, National Association FDIC insured?

Yes. Intrust Bank, National Association is an FDIC-insured institution (FDIC certificate #4799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Intrust Bank, National Association's TellerScore?

73 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 Intrust Bank, National Association ever failed?

There is no failure record for FDIC certificate #4799 in the FDIC failed bank list.

How many branches does Intrust Bank, National Association have?

40 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Wichita

InstitutionScoreAssetsCapitalProblem loansCompare
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
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%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
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs