TellerScore

Stryv Bank is a state-chartered bank (fed member) headquartered in Wichita, Kansas, in business for about 51 years. At the end of Q2 2026 it reported $333.3M in total assets and $297.0M in deposits, with 3 offices.

Based on its Q2 2026 filing, Stryv Bank scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 162nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (15/100; 96% loans-to-deposits, 59% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.91%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity15/100
Loans ÷ deposits and uninsured-deposit share: 96.2% · 59.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 2 points (64 → 62), mostly because the funding & liquidity component weakened by 10 points.

TellerScore
616467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202566
Q2 202564
Q3 202563
Q4 202561
Q1 202664
Q2 202662
Tier 1 leverage ratio
5.00%7.45%9.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.80%
Q3 20249.70%
Q4 20249.88%
Q1 20259.90%
Q2 20259.37%
Q3 20259.08%
Q4 20258.79%
Q1 20269.67%
Q2 20268.91%
Noncurrent loans
-1.00%0.00%1.00%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 20260.00%
Return on assets
0.86%0.97%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.97%
Q4 20241.04%
Q1 20250.89%
Q2 20251.02%
Q3 20251.00%
Q4 20251.01%
Q1 20261.08%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$333.3M8.91%0.00%1.09%96.2%
Q1 202664$309.4M9.67%0.00%1.08%98.2%
Q4 202561$290.7M8.79%0.00%1.01%94.3%
Q3 202563$277.7M9.08%0.00%1.00%94.9%
Q2 202564$258.1M9.37%0.00%1.02%97.6%
Q1 202566$249.0M9.90%0.00%0.89%94.4%
Q4 202467$238.0M9.88%0.00%1.04%95.0%
Q3 202467$239.5M9.70%0.00%0.97%92.1%
Q2 202466$235.8M9.80%0.00%0.86%90.8%

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 ratio8.91%
11th
Total risk-based capital10.95%
49th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.09%
40th
Net interest margin4.19%
65th
Efficiency ratio67.2%
36th
Loans to deposits96.2%
15th
Uninsured deposits59.5%
2nd
Loan-loss reserves0.97%
23rd
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Gridley, KS81 out of 100, Strong$336.2M12.1%0.58%vs
Kaw Valley BankBank Topeka, KS80 out of 100, Strong$339.5M11.9%0.00%vs
Heritage BankBank Topeka, KS64 out of 100, Moderate$324.9M9.9%1.28%vs
KCB BankBank Lakin, KS73 out of 100, Strong$322.3M12.6%1.15%vs
First National Bank and TrustBank Phillipsburg, KS72 out of 100, Strong$322.2M14.7%1.87%vs
Goppert State Service BankBank Garnett, KS57 out of 100, Moderate$345.3M9.3%1.74%vs

Deposit insurance

Is my money safe at Stryv Bank?

Yes. Stryv Bank is an FDIC-insured institution (FDIC certificate #21955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 59.5% of deposits ($176.6M) 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 8.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.95% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Stryv Bank lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Stryv Bank reported 53 home-loan applications under HMDA (LEI 549300GUHDQS0TYXZT21): 47 originated ($10,835,000 total), 1 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, 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
Stryv Bank
Former names
Chisholm Trail State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
21955
RSSD ID
372855
Primary regulator
FED
Holding company
Chisholm Trail Financial Corp
Established
March 14, 1975
Headquarters
6160 N Broadway Ave, Wichita, KS 67219
Employees
35

Quick answers

Stryv Bank: common questions

Is Stryv Bank FDIC insured?

Yes. Stryv Bank is an FDIC-insured institution (FDIC certificate #21955). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Stryv Bank's TellerScore?

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

Has Stryv Bank ever failed?

There is no failure record for FDIC certificate #21955 in the FDIC failed bank list.

How many branches does Stryv Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wichita

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Moundridge, KS95 out of 100, Very strong$450.6M14.4%0.01%vs
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
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
The Valley State BankBank Belle Plaine, KS78 out of 100, Strong$200.5M12.2%0.09%vs