TriCentury Bank is a state-chartered bank headquartered in De Soto, Kansas, in business for about 117 years. At the end of Q2 2026 it reported $213.8M in total assets and $135.1M in deposits, with 3 offices.
TriCentury 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 80th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (50/100, 131% loans-to-deposits, 13% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 78 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 77 |
| Q4 2025 | 78 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.31% |
| Q3 2024 | 11.69% |
| Q4 2024 | 11.54% |
| Q1 2025 | 10.87% |
| Q2 2025 | 10.91% |
| Q3 2025 | 11.06% |
| Q4 2025 | 11.21% |
| Q1 2026 | 10.76% |
| Q2 2026 | 10.76% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $213.8M | 10.76% | 0.00% | 1.68% | 131.0% |
| Q1 2026 | 77 | $212.6M | 10.76% | 0.00% | 1.61% | 124.8% |
| Q4 2025 | 78 | $196.2M | 11.21% | 0.00% | 1.62% | 142.9% |
| Q3 2025 | 77 | $192.2M | 11.06% | 0.00% | 1.58% | 142.8% |
| Q2 2025 | 77 | $192.0M | 10.91% | 0.00% | 1.58% | 136.9% |
| Q1 2025 | 76 | $189.1M | 10.87% | 0.00% | 1.51% | 134.6% |
| Q4 2024 | 78 | $173.1M | 11.54% | 0.00% | 1.55% | 144.4% |
| Q3 2024 | 79 | $167.9M | 11.69% | 0.00% | 1.59% | 147.2% |
| Q2 2024 | 78 | $170.3M | 11.31% | 0.00% | 1.58% | 129.8% |
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 |
|---|---|---|---|---|---|
| The Lyon County State BankBank Emporia, KS | 77 out of 100, Strong | $212.5M | 9.6% | 0.20% | vs |
| Kendall BankBank Overland Park, KS | 39 out of 100, Low | $211.1M | 9.6% | 3.54% | vs |
| The Kansas State BankBank Ottawa, KS | 65 out of 100, Moderate | $208.4M | 9.2% | 0.85% | vs |
| Carson BankBank Mulvane, KS | 70 out of 100, Strong | $219.9M | 8.3% | 0.02% | vs |
| Union State BankBank Clay Center, KS | 73 out of 100, Strong | $206.2M | 10.3% | 0.00% | vs |
| Halstead BankBank Halstead, KS | 69 out of 100, Moderate | $205.9M | 8.6% | 0.29% | vs |
Deposit insurance
Is my money safe at TriCentury Bank?
Yes. TriCentury Bank is an FDIC-insured institution (FDIC certificate #18109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.2% of deposits ($17.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.76%, 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%).
3 locations
Branches
TriCentury Bank lists 3 offices in 3 cities. Most locations:
- De Soto, KS (1)
- Lawrence, KS (1)
- Spring Hill, KS (1)
Identity & history
Profile
- Legal name
- TriCentury Bank
- Former names
- The Farmers State Bank of Simpson, Kansas; Mitchell County Bank; The Simpson State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18109
- RSSD ID
- 196752
- Primary regulator
- FDIC
- Holding company
- Astra Financial Corp
- Established
- March 13, 1909
- Headquarters
- 33485 Lexington Ave, De Soto, KS 66018
- Website
- www.tricentury.bank
- Employees
- 18
Quick answers
TriCentury Bank: common questions
Is TriCentury Bank FDIC insured?
Yes. TriCentury Bank is an FDIC-insured institution (FDIC certificate #18109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is TriCentury 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 TriCentury Bank ever failed?
There is no failure record for FDIC certificate #18109 in the FDIC failed bank list.
How many branches does TriCentury Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near De Soto
| 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 |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| K.U.M.C. Credit UnionCredit union Shawnee, KS | 95 out of 100, Very strong | $31.4M | 13.8% | 0.04% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| Reliance Credit UnionCredit union Kansas City, KS | 93 out of 100, Very strong | $25.1M | 16.4% | 0.30% | vs |
| Sm Federal Credit UnionCredit union Mission, KS | 89 out of 100, Very strong | $77.2M | 20.0% | 0.24% | vs |