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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wamego, KS · FDIC certificate #4791
BANK OF THE FLINT HILLS is an FDIC-insured institution based in Wamego, KS (FDIC certificate #4791). In its Q3 2026 Call Report it reported total assets of $556M, total deposits of $461M and net loans of $436M. Its primary federal regulator is FED.
Plain-language readout
BANK OF THE FLINT HILLS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $556M in Q3 2026 and were lowest at $523M in Q1 2026.
Total deposits were highest at $473M in Q2 2026 and lowest at $461M in Q3 2026.
Over the whole period total assets rose 6.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $556M | $461M | $436M | 1.52% | 19.65% | 4.12% |
| Q2 2026 | $545M | $473M | $427M | 1.56% | 19.78% | 4.14% |
| Q1 2026 | $523M | $470M | $394M | 1.54% | 19.35% | 4.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.4M | $41.3M | -$18.9M | -45.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $64.5M | $58.5M | +$6.0M | +10.3% |
| Equity securities with readily determinable fair values, not held for trading | $140K | $113K | +$27K | +23.9% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $426.8M | $393.8M | +$33.0M | +8.4% |
| Trading assets | $5.7M | $5.7M | -$2K | -0.0% |
| Premises and fixed assets | $8.6M | $8.6M | -$1K | -0.0% |
| Other real estate owned | $270K | $270K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $186K | $16K | +$170K | +1062.5% |
| All other assets | $15.9M | $14.8M | +$1.1M | +7.5% |
| Total assets | $544.5M | $523.1M | +$21.4M | +4.1% |
| Liabilities | ||||
| Total deposits | $473.0M | $469.9M | +$3.0M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $27.7M | $8.0M | +$19.7M | +246.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $3.7M | -$1.8M | -48.1% |
| Total liabilities | $502.6M | $481.7M | +$21.0M | +4.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $800K | $800K | $0K | 0.0% |
| Surplus | $21.0M | $21.0M | $0K | 0.0% |
| Retained earnings | $23.6M | $22.7M | +$963K | +4.2% |
| Accumulated other comprehensive income | -$3.6M | -$3.1M | -$518K | -16.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.9M | $41.4M | +$445K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $404K | $1.8M | -$1.4M | -77.7% |
| Adjusted nonperforming assets | $404K | $1.8M | -$1.4M | -77.7% |
| Tangible equity plus allowance | $47.1M | $46.6M | +$424K | +0.9% |
| Texas ratio (gross) | 0.86% | 3.88% | -3.03 pts | See points |
| Texas ratio (adjusted) | 0.86% | 3.88% | -3.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.89% | 3.88% | -3.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 10.03% | 10.47% | -0.44 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.03% | 10.47% | -0.44 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.19% | 1.24% | -0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.22% | 11.71% | -0.49 pts | See points |
| Tier 1 leverage (approximate) | 8.65% | 8.55% | +0.09 pts | See points |
| Construction and land loans to total capital | 56.60% | 58.11% | -1.51 pts | See points |
| Commercial real estate to total capital | 117.97% | 109.99% | +7.98 pts | See points |
| Dividend payout, year to date | 57.67% | 61.30% | -3.63 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.24% | -7.17% | -1.07 pts | See points |
| Liquidity | ||||
| Core deposits | $443.3M | $445.8M | -$2.4M | -0.5% |
| Non-core funding | $57.4M | $32.2M | +$25.2M | +78.4% |
| Loans to core deposits | 97.48% | 89.51% | +7.97 pts | See points |
| Loans to deposits | 91.37% | 84.91% | +6.46 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 53.76% | 60.77% | -7.01 pts | See points |
| Loans pledged, share of loans | 27.37% | 29.57% | -2.20 pts | See points |
| Volatile liabilities | $57.4M | $32.2M | +$25.2M | +78.4% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.1M | +$2.3M | +107.3% |
| Earnings before provision, single quarter | $2.3M | $2.1M | +$156K | +7.3% |
| Provision for credit losses, year to date | $270K | $120K | +$150K | +125.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.73% | 6.56% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 3.85% | 3.61% | +0.24 pts | See points |
| Total interest income to average assets | 5.97% | 5.68% | +0.29 pts | See points |
| Cost of interest-bearing transaction accounts | 0.89% | 0.92% | -0.03 pts | See points |
| Cost of savings and money market deposits | 2.60% | 2.77% | -0.17 pts | See points |
| Cost of time deposits | 3.93% | 3.99% | -0.07 pts | See points |
| Total interest expense to average assets | 1.92% | 1.94% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $556M | $461M | $436M | 1.52% | 19.65% | 4.12% |
| 2026-06-30 | $545M | $473M | $427M | 1.56% | 19.78% | 4.14% |
| 2026-03-31 | $523M | $470M | $394M | 1.54% | 19.35% | 4.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $425.2M | 0.42% | 54 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.