Outdoor Bank is a state-chartered bank headquartered in Manhattan, Kansas, in business for about 129 years. At the end of Q2 2026 it reported $648.8M in total assets and $572.1M in deposits, with 11 offices.
Outdoor Bank has a TellerScore of 31 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 185th. Funding & liquidity contributes the most (79/100, 81% loans-to-deposits, 13% uninsured); loan quality contributes the least (0/100, 3.83%).
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 fell 6 points (37 → 31), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 62 |
| Q4 2024 | 48 |
| Q1 2025 | 38 |
| Q2 2025 | 37 |
| Q3 2025 | 41 |
| Q4 2025 | 38 |
| Q1 2026 | 38 |
| Q2 2026 | 31 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.66% |
| Q3 2024 | 9.79% |
| Q4 2024 | 9.03% |
| Q1 2025 | 9.01% |
| Q2 2025 | 8.92% |
| Q3 2025 | 9.52% |
| Q4 2025 | 9.78% |
| Q1 2026 | 9.52% |
| Q2 2026 | 9.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.83% |
| Q4 2024 | 1.56% |
| Q1 2025 | 2.17% |
| Q2 2025 | 2.01% |
| Q3 2025 | 2.10% |
| Q4 2025 | 2.86% |
| Q1 2026 | 2.96% |
| Q2 2026 | 3.83% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.29% |
| Q1 2025 | -1.52% |
| Q2 2025 | -0.50% |
| Q3 2025 | -0.19% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.44% |
| Q2 2026 | -0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 31 | $648.8M | 9.24% | 3.83% | -0.26% | 81.0% |
| Q1 2026 | 38 | $634.0M | 9.52% | 2.96% | 0.44% | 82.9% |
| Q4 2025 | 38 | $661.3M | 9.78% | 2.86% | 0.08% | 81.4% |
| Q3 2025 | 41 | $585.6M | 9.52% | 2.10% | -0.19% | 92.1% |
| Q2 2025 | 37 | $619.4M | 8.92% | 2.01% | -0.50% | 90.1% |
| Q1 2025 | 38 | $690.6M | 9.01% | 2.17% | -1.52% | 77.4% |
| Q4 2024 | 48 | $613.5M | 9.03% | 1.56% | 0.29% | 88.2% |
| Q3 2024 | 62 | $570.0M | 9.79% | 0.83% | 0.76% | 91.3% |
| Q2 2024 | 64 | $562.1M | 9.66% | 0.69% | 0.84% | 86.1% |
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |
| Farmers & Merchants Bank of ColbyBank Colby, KS | 73 out of 100, Strong | $650.8M | 11.2% | 0.61% | vs |
| Exchange Bank & TrustBank Atchison, KS | 88 out of 100, Very strong | $626.8M | 13.0% | 0.23% | vs |
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
Deposit insurance
Is my money safe at Outdoor Bank?
Yes. Outdoor Bank is an FDIC-insured institution (FDIC certificate #17685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.3% of deposits ($75.8M) 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 9.24%, 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%).
11 locations
Branches
Outdoor Bank lists 11 offices in 10 cities. Most locations:
- Manhattan, KS (2)
- Colby, KS (1)
- Goodland, KS (1)
- Hill City, KS (1)
- Hoxie, KS (1)
- Leonardville, KS (1)
- Mcdonald, KS (1)
- Oakley, KS (1)
- Overland Park, KS (1)
- Wakeeney, KS (1)
HMDA 2025
Mortgage lending
In 2025, Outdoor Bank reported 153 home-loan applications under HMDA (LEI 2549006HZDO3SULWNR95): 137 originated ($46,795,000 total), 6 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.2%, 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
- Outdoor Bank
- Former names
- Peoples State Bank; Leonardville State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17685
- RSSD ID
- 43351
- Primary regulator
- FDIC
- Holding company
- Foote Financial Services Llc
- Established
- January 1, 1897
- Headquarters
- 2401 N Seth Child Rd, Manhattan, KS 66503
- Website
- www.outdoorbank.com
- Employees
- 92
Quick answers
Outdoor Bank: common questions
Is Outdoor Bank FDIC insured?
Yes. Outdoor Bank is an FDIC-insured institution (FDIC certificate #17685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Outdoor Bank's TellerScore?
31 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Outdoor Bank ever failed?
There is no failure record for FDIC certificate #17685 in the FDIC failed bank list.
How many branches does Outdoor Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Manhattan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| The Stockgrowers State BankBank Maple Hill, KS | 83 out of 100, Strong | $128.3M | 11.6% | 0.13% | vs |
| New Century BankBank Belleville, KS | 79 out of 100, Strong | $88.9M | 13.2% | 0.87% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |