TellerScore

The Riley State Bank of Riley, Kansas is a state-chartered bank headquartered in Riley, Kansas, in business for about 83 years. At the end of Q2 2026 it reported $132.0M in total assets and $115.2M in deposits, with 4 offices.

Based on its Q2 2026 filing, The Riley State Bank of Riley, Kansas scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 75th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (55/100; 10.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.51%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 76.4% · 24.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (79 → 78).

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202479
Q4 202475
Q1 202580
Q2 202579
Q3 202580
Q4 202577
Q1 202681
Q2 202678
Tier 1 leverage ratio
5.00%8.04%11.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.59%
Q3 202411.08%
Q4 202410.69%
Q1 202510.75%
Q2 202510.80%
Q3 202510.95%
Q4 202510.84%
Q1 202610.73%
Q2 202610.51%
Noncurrent loans
0.00%0.11%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.03%1.32%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.14%
Q4 20241.03%
Q1 20251.61%
Q2 20251.44%
Q3 20251.45%
Q4 20251.25%
Q1 20261.62%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$132.0M10.51%0.00%1.48%76.4%
Q1 202681$130.3M10.73%0.00%1.62%74.6%
Q4 202577$123.4M10.84%0.00%1.25%77.4%
Q3 202580$122.0M10.95%0.00%1.45%73.1%
Q2 202579$121.5M10.80%0.00%1.44%74.5%
Q1 202580$118.1M10.75%0.00%1.61%79.9%
Q4 202475$116.1M10.69%0.00%1.03%79.3%
Q3 202479$111.1M11.08%0.00%1.14%74.2%
Q2 202475$114.3M10.59%0.23%1.14%72.3%

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 ratio10.51%
42nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.48%
64th
Net interest margin3.81%
42nd
Efficiency ratio57.6%
64th
Loans to deposits76.4%
57th
Uninsured deposits24.2%
49th
Loan-loss reserves1.46%
76th
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Bendena State BankBank Bendena, KS77 out of 100, Strong$131.5M10.0%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
The Citizens State BankBank Hugoton, KS80 out of 100, Strong$137.5M13.5%0.30%vs
Bison State BankBank Bison, KS68 out of 100, Moderate$125.8M10.3%0.32%vs

Deposit insurance

Is my money safe at The Riley State Bank of Riley, Kansas?

Yes. The Riley State Bank of Riley, Kansas is an FDIC-insured institution (FDIC certificate #16120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.2% of deposits ($27.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.51%, 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%).

Check how much of your own balance is covered

4 locations

Branches

The Riley State Bank of Riley, Kansas lists 3 offices in 3 cities. Most locations:

  • Leonardville, KS (1)
  • Riley, KS (1)
  • Wakefield, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Riley State Bank of Riley, Kansas reported 24 home-loan applications under HMDA (LEI 254900NKP8DU1TIVDM92): 24 originated ($2,350,000 total), 0 denied, and 0 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.

Identity & history

Profile

Legal name
The Riley State Bank of Riley, Kansas
Type
State-chartered bank
FDIC certificate #
16120
RSSD ID
532752
Primary regulator
FDIC
Holding company
Riley County Bancshares Inc
Established
November 19, 1943
Headquarters
201 S Broadway St, Riley, KS 66531
Employees
22

Quick answers

The Riley State Bank of Riley, Kansas: common questions

Is The Riley State Bank of Riley, Kansas FDIC insured?

Yes. The Riley State Bank of Riley, Kansas is an FDIC-insured institution (FDIC certificate #16120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Riley State Bank of Riley, Kansas's TellerScore?

78 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 Riley State Bank of Riley, Kansas ever failed?

There is no failure record for FDIC certificate #16120 in the FDIC failed bank list.

How many branches does The Riley State Bank of Riley, Kansas have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Riley

InstitutionScoreAssetsCapitalProblem loansCompare
Union State BankBank Olsburg, KS89 out of 100, Very strong$44.3M12.7%0.00%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs