The Bank is a state-chartered bank headquartered in Oberlin, Kansas, in business for about 41 years. At the end of Q2 2026 it reported $617.3M in total assets and $540.5M in deposits, with 14 offices.
The Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 167th. Earnings contributes the most (100/100, 2.50%); loan quality contributes the least (0/100, 3.45%).
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 2 points (57 → 59), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 73 |
| Q1 2025 | 53 |
| Q2 2025 | 57 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 58 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.33% |
| Q3 2024 | 12.63% |
| Q4 2024 | 14.31% |
| Q1 2025 | 9.66% |
| Q2 2025 | 10.81% |
| Q3 2025 | 10.99% |
| Q4 2025 | 11.33% |
| Q1 2026 | 10.87% |
| Q2 2026 | 11.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.44% |
| Q3 2024 | 3.21% |
| Q4 2024 | 2.49% |
| Q1 2025 | 3.69% |
| Q2 2025 | 3.43% |
| Q3 2025 | 3.19% |
| Q4 2025 | 3.17% |
| Q1 2026 | 3.13% |
| Q2 2026 | 3.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 2.01% |
| Q4 2024 | 2.03% |
| Q1 2025 | 2.22% |
| Q2 2025 | 2.40% |
| Q3 2025 | 2.45% |
| Q4 2025 | 2.33% |
| Q1 2026 | 2.44% |
| Q2 2026 | 2.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $617.3M | 11.46% | 3.45% | 2.50% | 68.5% |
| Q1 2026 | 58 | $620.0M | 10.87% | 3.13% | 2.44% | 65.2% |
| Q4 2025 | 58 | $615.3M | 11.33% | 3.17% | 2.33% | 68.8% |
| Q3 2025 | 58 | $588.9M | 10.99% | 3.19% | 2.45% | 69.2% |
| Q2 2025 | 57 | $577.8M | 10.81% | 3.43% | 2.40% | 70.6% |
| Q1 2025 | 53 | $602.3M | 9.66% | 3.69% | 2.22% | 64.5% |
| Q4 2024 | 73 | $476.0M | 14.31% | 2.49% | 2.03% | 63.8% |
| Q3 2024 | 63 | $445.5M | 12.63% | 3.21% | 2.01% | 65.0% |
| Q2 2024 | 62 | $451.4M | 12.33% | 3.44% | 1.98% | 61.0% |
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 |
|---|---|---|---|---|---|
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| Exchange Bank & TrustBank Atchison, KS | 88 out of 100, Very strong | $626.8M | 13.0% | 0.23% | vs |
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |
| Outdoor BankBank Manhattan, KS | 31 out of 100, Low | $648.8M | 9.2% | 3.83% | vs |
| Farmers & Merchants Bank of ColbyBank Colby, KS | 73 out of 100, Strong | $650.8M | 11.2% | 0.61% | vs |
| Mid-America BankBank Baldwin City, KS | 76 out of 100, Strong | $573.3M | 10.2% | 0.13% | vs |
Deposit insurance
Is my money safe at The Bank?
Yes. The Bank is an FDIC-insured institution (FDIC certificate #26522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($118.4M) 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 11.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.35% (benchmark: 10%).
14 locations
Branches
The Bank lists 14 offices in 14 cities. Most locations:
- Atwood, KS (1)
- Bird City, KS (1)
- Colby, KS (1)
- Goodland, KS (1)
- Gorham, KS (1)
- Grainfield, KS (1)
- Norton, KS (1)
- Oakley, KS (1)
- Oberlin, KS (1)
- Quinter, KS (1)
- Selden, KS (1)
- St. Francis, KS (1)
Identity & history
Profile
- Legal name
- The Bank
- Former names
- The Bank of Oberlin
- Type
- State-chartered bank
- FDIC certificate #
- 26522
- RSSD ID
- 333650
- Primary regulator
- FDIC
- Holding company
- Decatur Investment Inc
- Established
- November 21, 1985
- Headquarters
- 205 S Penn Ave, Oberlin, KS 67749
- Website
- www.thebankks.com
- Employees
- 75
Quick answers
The Bank: common questions
Is The Bank FDIC insured?
Yes. The Bank is an FDIC-insured institution (FDIC certificate #26522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank's TellerScore?
59 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 The Bank ever failed?
There is no failure record for FDIC certificate #26522 in the FDIC failed bank list.
How many branches does The Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oberlin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Northwest Federal Credit UnionCredit union Norton, KS | 87 out of 100, Very strong | $54.5M | 15.9% | 0.35% | vs |
| Farmers Bank & TrustBank Atwood, KS | 73 out of 100, Strong | $159.0M | 10.6% | 0.75% | vs |
| FNB BankBank Goodland, KS | 45 out of 100, Below average | $270.3M | 10.2% | 4.03% | vs |