Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Leon, KS · FDIC certificate #17927
VINTAGE BANK KANSAS is an FDIC-insured institution based in Leon, KS (FDIC certificate #17927). In its Q3 2026 Call Report it reported total assets of $281M, total deposits of $227M and net loans of $183M. Its primary federal regulator is FDIC.
Plain-language readout
VINTAGE BANK KANSAS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $289M in Q2 2026 and were lowest at $274M in Q1 2026.
Total deposits were highest at $231M in Q2 2026 and lowest at $223M in Q1 2026.
Over the whole period total assets rose 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $281M | $227M | $183M | 1.83% | 21.33% | 4.57% |
| Q2 2026 | $289M | $231M | $179M | 1.70% | 19.33% | 4.45% |
| Q1 2026 | $274M | $223M | $180M | 1.72% | 19.60% | 4.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.1M | $3.8M | +$1.4M | +35.8% |
| Federal funds sold | $14.3M | $560K | +$13.8M | +2460.0% |
| 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) | $72.6M | $73.0M | -$369K | -0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $179.0M | $179.7M | -$629K | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.0M | $4.9M | +$62K | +1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $1.3M | $1.3M | -$13K | -1.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $605K | $619K | -$14K | -2.3% |
| All other assets | $10.6M | $10.1M | +$509K | +5.1% |
| Total assets | $288.6M | $273.9M | +$14.7M | +5.4% |
| Liabilities | ||||
| Total deposits | $231.4M | $223.4M | +$8.0M | +3.6% |
| 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 | $29.9M | $24.7M | +$5.2M | +21.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $1.9M | +$26K | +1.4% |
| Total liabilities | $263.1M | $249.9M | +$13.2M | +5.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $16.2M | $16.2M | $0K | 0.0% |
| Retained earnings | $16.5M | $15.6M | +$839K | +5.4% |
| Accumulated other comprehensive income | -$7.4M | -$8.1M | +$643K | +8.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.4M | $24.0M | +$1.5M | +6.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $961K | $993K | -$32K | -3.2% |
| Adjusted nonperforming assets | $961K | $993K | -$32K | -3.2% |
| Tangible equity plus allowance | $26.8M | $25.3M | +$1.5M | +5.9% |
| Texas ratio (gross) | 3.58% | 3.92% | -0.34 pts | See points |
| Texas ratio (adjusted) | 3.58% | 3.92% | -0.34 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.81% | 4.14% | -0.33 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.56% | 11.51% | +0.05 pts | See points |
| Construction and land loans to total capital | 39.17% | 39.87% | -0.71 pts | See points |
| Commercial real estate to total capital | 88.53% | 91.12% | -2.59 pts | See points |
| Dividend payout, year to date | 27.51% | 25.55% | +1.95 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -24.05% | -26.84% | +2.79 pts | See points |
| Liquidity | ||||
| Core deposits | $201.9M | $198.9M | +$3.0M | +1.5% |
| Non-core funding | $59.3M | $49.1M | +$10.2M | +20.8% |
| Loans to core deposits | 89.66% | 91.31% | -1.65 pts | See points |
| Loans to deposits | 78.24% | 81.32% | -3.08 pts | See points |
| Brokered deposits share of deposits | 3.89% | 0.31% | +3.57 pts | See points |
| Pledged securities share of securities | 68.70% | 80.89% | -12.19 pts | See points |
| Loans pledged, share of loans | 38.67% | 37.35% | +1.31 pts | See points |
| Volatile liabilities | $59.3M | $49.1M | +$10.2M | +20.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.3M | +$1.3M | +104.4% |
| Earnings before provision, single quarter | $1.3M | $1.3M | +$57K | +4.4% |
| Provision for credit losses, year to date | $135K | $51K | +$84K | +164.7% |
| Yield and cost | ||||
| Yield on loans and leases | 7.31% | 7.21% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.41% | 2.94% | +0.46 pts | See points |
| Total interest income to average assets | 5.74% | 5.63% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.63% | 0.56% | +0.07 pts | See points |
| Cost of savings and money market deposits | 0.89% | 0.86% | +0.03 pts | See points |
| Cost of time deposits | 3.30% | 3.34% | -0.04 pts | See points |
| Total interest expense to average assets | 1.54% | 1.56% | -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 | $281M | $227M | $183M | 1.83% | 21.33% | 4.57% |
| 2026-06-30 | $289M | $231M | $179M | 1.70% | 19.33% | 4.45% |
| 2026-03-31 | $274M | $223M | $180M | 1.72% | 19.60% | 4.41% |
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 | $216.3M | 0.21% | 92 | Continuing · +0.01 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.