TellerScore

Headquartered in Bendena, Kansas, The Bendena State Bank is a state-chartered bank with $131.5M in total assets and $114.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1904.

The Bendena State Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 82nd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (50/100, 9.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.96%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings85/100
Return on assets (annualized): 1.64%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 74.8% · 30.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.08%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 77).

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202473
Q1 202577
Q2 202578
Q3 202573
Q4 202577
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%7.48%9.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.95%
Q3 20249.05%
Q4 20249.18%
Q1 20259.45%
Q2 20259.93%
Q3 20259.94%
Q4 20259.72%
Q1 20269.76%
Q2 20269.96%
Noncurrent loans
0.00%0.27%0.53%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 20250.53%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.37%1.57%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.37%
Q4 20241.38%
Q1 20251.77%
Q2 20251.71%
Q3 20251.77%
Q4 20251.66%
Q1 20261.63%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$131.5M9.96%0.00%1.64%74.8%
Q1 202677$132.2M9.76%0.00%1.63%70.2%
Q4 202577$130.9M9.72%0.00%1.66%75.3%
Q3 202573$113.4M9.94%0.53%1.77%76.0%
Q2 202578$108.4M9.93%0.00%1.71%74.7%
Q1 202577$105.1M9.45%0.00%1.77%69.9%
Q4 202473$111.9M9.18%0.00%1.38%79.5%
Q3 202472$108.2M9.05%0.00%1.37%78.3%
Q2 202473$107.2M8.95%0.00%1.41%75.3%

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).

Capital ratio9.96%
30th
Total risk-based capital15.81%
72nd
Problem loans0.00%
94th
Net charge-offs-0.00%
84th
Return on assets1.64%
73rd
Net interest margin4.02%
55th
Efficiency ratio48.3%
86th
Loans to deposits74.8%
61st
Uninsured deposits30.6%
26th
Loan-loss reserves1.07%
35th
Texas ratio1.1%
68th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Riley State Bank of Riley, KansasBank Riley, KS78 out of 100, Strong$132.0M10.5%0.00%vs
Community Bank of Wichita, Inc.Bank Wichita, KS63 out of 100, Moderate$128.3M8.6%0.72%vs
The Stockgrowers State BankBank Maple Hill, KS83 out of 100, Strong$128.3M11.6%0.13%vs
The State Bank of BernBank Bern, KS95 out of 100, Very strong$128.2M17.3%0.00%vs
Bison State BankBank Bison, KS68 out of 100, Moderate$125.8M10.3%0.32%vs
The Citizens State BankBank Hugoton, KS80 out of 100, Strong$137.5M13.5%0.30%vs

Deposit insurance

Is my money safe at The Bendena State Bank?

Yes. The Bendena State Bank is an FDIC-insured institution (FDIC certificate #17410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.6% of deposits ($35.1M) 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 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.81% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The Bendena State Bank lists 3 offices in 3 cities. Most locations:

  • Bendena, KS (1)
  • Denton, KS (1)
  • Highland, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Bendena State Bank reported 54 home-loan applications under HMDA (LEI 2549003L98A6Z3YX9T46): 43 originated ($5,665,000 total), 4 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, 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
The Bendena State Bank
Type
State-chartered bank
FDIC certificate #
17410
RSSD ID
1008151
Primary regulator
FDIC
Holding company
Bendena Bancshares Inc
Established
January 1, 1904
Headquarters
933 Friendship Rd, Bendena, KS 66008
Employees
16

Quick answers

The Bendena State Bank: common questions

Is The Bendena State Bank FDIC insured?

Yes. The Bendena State Bank is an FDIC-insured institution (FDIC certificate #17410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bendena State Bank's TellerScore?

77 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 The Bendena State Bank ever failed?

There is no failure record for FDIC certificate #17410 in the FDIC failed bank list.

How many branches does The Bendena State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bendena

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State Bank and Trust CompanyBank Hiawatha, KS95 out of 100, Very strong$103.6M18.3%0.21%vs
District One Highway Credit UnionCredit union Saint Joseph, MO94 out of 100, Very strong$30.5M18.8%0.00%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs
Goetz Credit UnionCredit union St Joseph, MO85 out of 100, Very strong$89.6M15.7%0.50%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs