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.

From Q2 2025 to Q2 2026, the score fell 2 points (67 → 65), mostly because the loan quality component weakened by 6 points.

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

Yes. The Kansas State Bank is an FDIC-insured institution (FDIC certificate #10505). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.1% of deposits ($82.9M) 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 9.25%, 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%).

Check how much of your own balance is covered

The Kansas State Bank lists 2 offices in 2 cities. Most locations:

• Baldwin City, KS (1)
• Ottawa, KS (1)

All branch addresses and map

In 2025, The Kansas State Bank reported 45 home-loan applications under HMDA (LEI 549300HSEF434P70U240): 43 originated ($7,535,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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.

Legal name

The Kansas State Bank

Type

State-chartered bank

FDIC certificate #

10505

RSSD ID

287959

Primary regulator

FDIC

Established

November 20, 1917

Headquarters

236 N Main St, Ottawa, KS 66067

Website

www.mykansasstatebank.com

Employees

34