Ventura National Bank & Trust is a national bank headquartered in Harveyville, Kansas, in business for about 106 years. At the end of Q2 2026 it reported $41.7M in total assets and $32.8M in deposits, with 1 office.
Ventura National Bank & Trust has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 121st. Capital cushion contributes the most (100/100, 17.95%); earnings contributes the least (2/100, -0.46%).
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 4 points (76 → 72), mostly because the funding & liquidity component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 79 |
| Q4 2025 | 75 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.43% |
| Q4 2024 | 23.26% |
| Q1 2025 | 25.93% |
| Q2 2025 | 26.74% |
| Q3 2025 | 18.32% |
| Q4 2025 | 15.28% |
| Q1 2026 | 19.60% |
| Q2 2026 | 17.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.37% |
| Q4 2024 | -0.66% |
| Q1 2025 | 0.06% |
| Q2 2025 | -0.44% |
| Q3 2025 | -0.42% |
| Q4 2025 | -0.49% |
| Q1 2026 | -0.55% |
| Q2 2026 | -0.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $41.7M | 17.95% | 0.09% | -0.46% | 111.1% |
| Q1 2026 | 72 | $43.7M | 19.60% | 0.25% | -0.55% | 100.2% |
| Q4 2025 | 75 | $63.0M | 15.28% | 0.09% | -0.49% | 62.7% |
| Q3 2025 | 79 | $51.1M | 18.32% | 0.00% | -0.42% | 69.1% |
| Q2 2025 | 76 | $37.1M | 26.74% | 0.00% | -0.44% | 90.2% |
| Q1 2025 | 74 | $31.9M | 25.93% | 0.13% | 0.06% | 94.3% |
| Q4 2024 | 71 | $35.3M | 23.26% | 0.00% | -0.66% | 79.5% |
| Q3 2024 | 69 | $16.3M | 9.43% | 0.11% | 0.37% | 57.4% |
| Q2 2024 | 69 | $15.9M | 9.74% | 0.11% | 0.26% | 58.0% |
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 |
|---|---|---|---|---|---|
| Farmers State BankBank Phillipsburg, KS | 69 out of 100, Moderate | $42.8M | 11.7% | 1.32% | vs |
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| Ninnescah Valley BankBank Cunningham, KS | 57 out of 100, Moderate | $44.6M | 12.0% | 3.54% | vs |
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
| The State Bank of Canton, Canton, KansasBank Canton, KS | 91 out of 100, Very strong | $36.6M | 22.1% | 0.00% | vs |
| The Marion National BankBank Marion, KS | 85 out of 100, Very strong | $35.4M | 13.0% | 0.29% | vs |
Deposit insurance
Is my money safe at Ventura National Bank & Trust?
Yes. Ventura National Bank & Trust is an FDIC-insured institution (FDIC certificate #4683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.6% of deposits ($3.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.95%, 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
Ventura National Bank & Trust lists 1 office in 1 city. Most locations:
- Harveyville, KS (1)
Identity & history
Profile
- Legal name
- Ventura National Bank & Trust
- Former names
- The First National Bank of Harveyville; Vista National Bank & Trust
- Type
- National bank
- FDIC certificate #
- 4683
- RSSD ID
- 931458
- Primary regulator
- OCC
- Holding company
- Vista Holding Co
- Established
- September 20, 1920
- Headquarters
- 197 Main St, Harveyville, KS 66431
- Website
- www.vnbt.bank
- Employees
- 10
Quick answers
Ventura National Bank & Trust: common questions
Is Ventura National Bank & Trust FDIC insured?
Yes. Ventura National Bank & Trust is an FDIC-insured institution (FDIC certificate #4683). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ventura National Bank & Trust's TellerScore?
72 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 Ventura National Bank & Trust ever failed?
There is no failure record for FDIC certificate #4683 in the FDIC failed bank list.
How many branches does Ventura National Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Harveyville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Empower Blue Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $55.1M | 18.1% | 0.10% | vs |
| Topeka Police Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $6.3M | 15.7% | 0.05% | vs |
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| 1st Kansas Credit UnionCredit union Topeka, KS | 86 out of 100, Very strong | $12.2M | 19.9% | 0.41% | vs |
| Community BankBank Topeka, KS | 83 out of 100, Strong | $188.8M | 11.5% | 0.22% | vs |