The First State Bank of Healy is a state-chartered bank headquartered in Healy, Kansas, in business for about 120 years. At the end of Q2 2026 it reported $108.8M in total assets and $86.5M in deposits, with 1 office.
The First State Bank of Healy has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 45th. Capital cushion contributes the most (100/100, 16.77%); funding & liquidity contributes the least (70/100, 75% loans-to-deposits, 28% uninsured).
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 3 points (85 → 82), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 86 |
| Q4 2024 | 86 |
| Q1 2025 | 86 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 87 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.76% |
| Q3 2024 | 14.61% |
| Q4 2024 | 14.66% |
| Q1 2025 | 15.03% |
| Q2 2025 | 14.92% |
| Q3 2025 | 15.48% |
| Q4 2025 | 15.83% |
| Q1 2026 | 16.24% |
| Q2 2026 | 16.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $108.8M | 16.77% | 0.89% | 1.36% | 75.4% |
| Q1 2026 | 82 | $113.2M | 16.24% | 0.95% | 1.19% | 67.1% |
| Q4 2025 | 87 | $119.5M | 15.83% | 0.34% | 1.23% | 69.8% |
| Q3 2025 | 86 | $113.4M | 15.48% | 0.45% | 1.26% | 76.5% |
| Q2 2025 | 85 | $118.8M | 14.92% | 0.44% | 1.30% | 80.6% |
| Q1 2025 | 86 | $116.9M | 15.03% | 0.53% | 1.26% | 80.1% |
| Q4 2024 | 86 | $118.4M | 14.66% | 0.36% | 1.24% | 75.3% |
| Q3 2024 | 86 | $116.0M | 14.61% | 0.40% | 1.29% | 79.4% |
| Q2 2024 | 77 | $111.3M | 15.76% | 1.55% | 1.36% | 78.7% |
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 Federal Savings and Loan BankBank Olathe, KS | 74 out of 100, Strong | $109.5M | 12.3% | 1.28% | vs |
| First National Bank of KansasBank Burlington, KS | 67 out of 100, Moderate | $105.6M | 9.1% | 0.14% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| Bank of Commerce and Trust CompanyBank Wellington, KS | 56 out of 100, Moderate | $112.8M | 8.8% | 1.17% | vs |
| First National Bank in FredoniaBank Fredonia, KS | 87 out of 100, Very strong | $104.4M | 16.7% | 0.63% | vs |
| Citizens State Bank and Trust CompanyBank Hiawatha, KS | 95 out of 100, Very strong | $103.6M | 18.3% | 0.21% | vs |
Deposit insurance
Is my money safe at The First State Bank of Healy?
Yes. The First State Bank of Healy is an FDIC-insured institution (FDIC certificate #17661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.3% of deposits ($24.5M) 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 16.77%, 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%).
1 location
Branches
The First State Bank of Healy lists 1 office in 1 city. Most locations:
- Healy, KS (1)
Identity & history
Profile
- Legal name
- The First State Bank of Healy
- Type
- State-chartered bank
- FDIC certificate #
- 17661
- RSSD ID
- 864855
- Primary regulator
- FDIC
- Holding company
- West 4 Bancshares Inc
- Established
- July 10, 1906
- Headquarters
- 4004 W Highway 4, Healy, KS 67850
- Website
- www.fsbhealy.com
- Employees
- 8
Quick answers
The First State Bank of Healy: common questions
Is The First State Bank of Healy FDIC insured?
Yes. The First State Bank of Healy is an FDIC-insured institution (FDIC certificate #17661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First State Bank of Healy's TellerScore?
82 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 First State Bank of Healy ever failed?
There is no failure record for FDIC certificate #17661 in the FDIC failed bank list.
How many branches does The First State Bank of Healy have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Healy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of Scott CityBank Scott City, KS | 85 out of 100, Very strong | $173.8M | 14.5% | 0.33% | vs |
| Security State BankBank Scott City, KS | 72 out of 100, Strong | $1.0B | 10.2% | 0.26% | vs |
| The First National Bank of DightonBank Dighton, KS | 64 out of 100, Moderate | $88.5M | 16.1% | 2.39% | vs |
| The Western State BankBank Garden City, KS | 49 out of 100, Below average | $802.1M | 10.7% | 3.04% | vs |