The First State Bank of Ransom is a state-chartered bank headquartered in Ransom, Kansas, in business for about 126 years. At the end of Q2 2026 it reported $48.9M in total assets and $39.9M in deposits, with 2 offices.
The First State Bank of Ransom has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 11th. Capital cushion contributes the most (100/100, 20.06%); earnings contributes the least (68/100, 1.19%).
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 5 points (86 → 91), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 85 |
| Q4 2024 | 86 |
| Q1 2025 | 87 |
| Q2 2025 | 86 |
| Q3 2025 | 86 |
| Q4 2025 | 86 |
| Q1 2026 | 86 |
| Q2 2026 | 91 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.50% |
| Q3 2024 | 21.88% |
| Q4 2024 | 20.77% |
| Q1 2025 | 21.26% |
| Q2 2025 | 21.21% |
| Q3 2025 | 20.32% |
| Q4 2025 | 20.61% |
| Q1 2026 | 20.22% |
| Q2 2026 | 20.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.86% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $48.9M | 20.06% | 0.34% | 1.19% | 55.9% |
| Q1 2026 | 86 | $48.8M | 20.22% | 0.56% | 0.86% | 50.6% |
| Q4 2025 | 86 | $48.0M | 20.61% | 0.41% | 0.65% | 51.8% |
| Q3 2025 | 86 | $48.9M | 20.32% | 0.42% | 0.71% | 50.7% |
| Q2 2025 | 86 | $48.5M | 21.21% | 0.41% | 0.68% | 53.7% |
| Q1 2025 | 87 | $48.2M | 21.26% | 0.32% | 0.73% | 45.3% |
| Q4 2024 | 86 | $46.6M | 20.77% | 0.33% | 0.58% | 45.5% |
| Q3 2024 | 85 | $47.5M | 21.88% | 0.40% | 0.62% | 45.9% |
| Q2 2024 | 83 | $46.3M | 21.50% | 0.67% | 0.64% | 47.7% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| The State Exchange BankBank Mankato, KS | 65 out of 100, Moderate | $50.9M | 12.2% | 1.85% | vs |
| Ninnescah Valley BankBank Cunningham, KS | 57 out of 100, Moderate | $44.6M | 12.0% | 3.54% | vs |
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| Bank of GreeleyBank Greeley, KS | 86 out of 100, Very strong | $54.4M | 12.3% | 0.31% | vs |
| Farmers State BankBank Phillipsburg, KS | 69 out of 100, Moderate | $42.8M | 11.7% | 1.32% | vs |
| The Security State BankBank Wellington, KS | 79 out of 100, Strong | $55.1M | 15.6% | 1.44% | vs |
Deposit insurance
Is my money safe at The First State Bank of Ransom?
Yes. The First State Bank of Ransom is an FDIC-insured institution (FDIC certificate #15469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.4% of deposits ($6.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 34.02% (benchmark: 10%).
2 locations
Branches
The First State Bank of Ransom lists 2 offices in 2 cities. Most locations:
- Ransom, KS (1)
- Utica, KS (1)
Identity & history
Profile
- Legal name
- The First State Bank of Ransom
- Type
- State-chartered bank
- FDIC certificate #
- 15469
- RSSD ID
- 471057
- Primary regulator
- FDIC
- Holding company
- West 4 Bancshares Inc
- Established
- January 1, 1900
- Headquarters
- 306 S Vermont Ave, Ransom, KS 67572
- Website
- fsbransom.com
- Employees
- 5
Quick answers
The First State Bank of Ransom: common questions
Is The First State Bank of Ransom FDIC insured?
Yes. The First State Bank of Ransom is an FDIC-insured institution (FDIC certificate #15469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First State Bank of Ransom's TellerScore?
91 out of 100 (Very 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 Ransom ever failed?
There is no failure record for FDIC certificate #15469 in the FDIC failed bank list.
How many branches does The First State Bank of Ransom have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ransom
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| The First State BankBank Ness City, KS | 92 out of 100, Very strong | $84.3M | 15.3% | 0.00% | vs |
| Peoples Bank and Trust CompanyBank Mcpherson, KS | 61 out of 100, Moderate | $1.6B | 9.3% | 0.92% | vs |