Southwind Bank is a state-chartered bank headquartered in Natoma, Kansas, in business for about 117 years. At the end of Q2 2026 it reported $186.6M in total assets and $172.8M in deposits, with 2 offices.
Southwind Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 129th. Problem-loan coverage contributes the most (90/100, 4.8%); capital cushion contributes the least (54/100, 10.42%).
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 3 points (67 → 70), mostly because the loan quality component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 69 |
| Q1 2025 | 63 |
| Q2 2025 | 67 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.64% |
| Q3 2024 | 9.69% |
| Q4 2024 | 9.73% |
| Q1 2025 | 10.42% |
| Q2 2025 | 10.50% |
| Q3 2025 | 10.50% |
| Q4 2025 | 9.70% |
| Q1 2026 | 10.15% |
| Q2 2026 | 10.42% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.80% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.11% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.74% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.68% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $186.6M | 10.42% | 0.74% | 1.28% | 53.4% |
| Q1 2026 | 68 | $182.9M | 10.15% | 0.87% | 1.24% | 54.1% |
| Q4 2025 | 66 | $179.7M | 9.70% | 0.91% | 1.11% | 52.7% |
| Q3 2025 | 67 | $175.7M | 10.50% | 1.11% | 1.11% | 59.3% |
| Q2 2025 | 67 | $172.9M | 10.50% | 1.08% | 1.14% | 54.6% |
| Q1 2025 | 63 | $169.5M | 10.42% | 1.47% | 1.09% | 53.8% |
| Q4 2024 | 69 | $172.2M | 9.73% | 0.80% | 1.31% | 54.1% |
| Q3 2024 | 72 | $183.3M | 9.69% | 0.63% | 1.45% | 52.4% |
| Q2 2024 | 71 | $182.1M | 9.64% | 0.87% | 1.68% | 50.3% |
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 |
|---|---|---|---|---|---|
| Community BankBank Topeka, KS | 83 out of 100, Strong | $188.8M | 11.5% | 0.22% | vs |
| Home Bank and Trust CompanyBank Eureka, KS | 67 out of 100, Moderate | $183.3M | 8.3% | 0.63% | vs |
| Citizens Federal Savings BankBank Leavenworth, KS | 80 out of 100, Strong | $190.1M | 20.1% | 0.15% | vs |
| The Solomon State BankBank Solomon, KS | 95 out of 100, Very strong | $182.6M | 19.0% | 0.00% | vs |
| Garden Plain State BankBank Wichita, KS | 88 out of 100, Very strong | $191.5M | 15.2% | 0.94% | vs |
| The Farmers State BankBank Mcpherson, KS | 78 out of 100, Strong | $180.5M | 10.0% | 0.01% | vs |
Deposit insurance
Is my money safe at Southwind Bank?
Yes. Southwind Bank is an FDIC-insured institution (FDIC certificate #4735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.2% of deposits ($57.4M) 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 10.42%, 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%).
2 locations
Branches
Southwind Bank lists 2 offices in 2 cities. Most locations:
- Natoma, KS (1)
- Russell, KS (1)
Identity & history
Profile
- Legal name
- Southwind Bank
- Former names
- United National Bank; Bank United; The First National Bank of Natoma
- Type
- State-chartered bank
- FDIC certificate #
- 4735
- RSSD ID
- 276159
- Primary regulator
- FDIC
- Holding company
- Republic Bancshares Inc
- Established
- January 1, 1909
- Headquarters
- 702 N 2nd St, Natoma, KS 67651
- Website
- www.southwindbank.com
- Employees
- 19
Quick answers
Southwind Bank: common questions
Is Southwind Bank FDIC insured?
Yes. Southwind Bank is an FDIC-insured institution (FDIC certificate #4735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southwind Bank's TellerScore?
70 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 Southwind Bank ever failed?
There is no failure record for FDIC certificate #4735 in the FDIC failed bank list.
How many branches does Southwind Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Natoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| The First State BankBank Norton, KS | 90 out of 100, Very strong | $493.2M | 13.1% | 0.10% | vs |
| Farmway Credit UnionCredit union Beloit, KS | 77 out of 100, Strong | $106.8M | 21.9% | 0.95% | vs |
| Solutions North BankBank Stockton, KS | 77 out of 100, Strong | $469.5M | 10.9% | 0.28% | vs |
| The Peoples BankBank Pratt, KS | 75 out of 100, Strong | $531.1M | 9.3% | 0.37% | vs |
| Astra BankBank Scandia, KS | 70 out of 100, Strong | $423.3M | 9.3% | 0.03% | vs |