KS StateBank

Headquarters

1010 Westloop Pl
Manhattan, KS 66502
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.91% →
1-Year CD 0.35% 1.01% →
2-Year CD 0.45% 0.95% →
5-Year CD 0.80% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

KS StateBank is an FDIC insured institution located in Manhattan, KS. It was founded in 1969 and has approximately $2.19 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 19899
Date Established 1969
Assets $ 2.19 billion
Loans $ 1,713.05 million
Deposits $ 1,878.94 million
Capital $ 202.52 million
 

For a more detailed analysis of KS StateBank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 30, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
12 Mo CD
0.35% $10,000 $14,999 Learn More
Special: 12 Mo CD
0.35% $100,000 - Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
Special: 18 Mo CD
0.40% $100,000 - Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
Special: 24 Mo CD
0.45% $100,000 - Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
Special: 27 Mo CD
0.35% $1,000 - Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
Special: 36 Mo CD
0.55% $100,000 - Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
Special: 48 Mo CD
0.70% $100,000 - Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
Special: 60 Mo CD
0.80% $100,000 - Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 27 Mo FIRA
0.35% $1,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
Checking PLUS 1.50% $0 $0.00 Learn MoreShow Less

Loan Rates - October 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for KS StateBank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.558% 2.500% 0.75 $1,908 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to KS StateBank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

KS StateBank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


KS StateBank Locations


Financial Details

KS StateBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of KS StateBank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
KS StateBank U.S. Bank Average
3.28% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, KS StateBank had $7,374,000 in non-current loans and $80,000 in owned real estate. To cover these potential losses it had $202,521,000 in equity and $24,875,000 in loans loss reserves. That gives it a Texas Ratio of 3.28%.

Return on Equity
KS StateBank U.S. Bank Average
6.64% 7.80%

KS StateBank has a Return on Equity of 6.64% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
KS StateBank U.S. Bank Average
9.23% 12.68%

KS StateBank has a Capitalization of 9.23% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

KS StateBank Balance Sheet Analysis

As of March 31, 2020, KS StateBank had assets of $2,194,615,000, loans of $1,713,045,000, and deposits of $1,878,942,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 100.97 million
Interest-bearing balances $ 86.88 million
Total securities $ 334.28 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,713.05 million
Loan loss allowance $ 24.88 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.08 million
Goodwill and other intangibles N.A.
All other assets $ 38.23 million
     Total Assets $ 1,992.09 million
LIABILITIES
Total deposits $ 1,878.94 million
      Interest-bearing deposits $ 1,789.62 million
      Deposits held in domestic offices $ 1,878.94 million
      % insured (estimated) 84.96%
Federal funds purchased and repurchase agreements $ 10.09 million
Trading liabilities N.A.
Other borrowed funds $ 90.90 million
Subordinated debt N.A.
All other liabilities $ 12.16 million
      Total Liabilities $ 1,992.09 million
      Shareholders’ Equity $ 202.52 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 23.78 million
Total Interest Expense $ 8.50 million
Net interest income $ 15.27 million
Provision for loan and lease losses $ 2.50 million
Total non interest income $ 1.84 million
Total non interest expense $ 11.25 million
Pre-tax Net Operating Income $ 3.36 million

Bank Loan Profile?

The top three loan types in KS StateBank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, KS StateBank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.66
Multifamily
Mortgages
5.08
Credit Card Loans 0.19
Consumer Auto Loans 0.12
Small Business Loans 7.37
Construction and Development Loans 4.05
Commercial Real Estate 32.94
Commercial and Industrial Loans 16.52
Farm Loans 0.54

Frequently Asked Questions About Ks Statebank

Branches and Savings

Is Ks Statebank FDIC insured?

Yes. It is covered under FDIC Certificate #19899.

Why does Ks Statebank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Ks Statebank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Ks Statebank a commercial bank?

Yes

Where are Ks Statebank locations?

See branch locations nearby.

Is Ks Statebank open on Saturdays?

Is Ks Statebank open on Sundays?

What time does Ks Statebank open?

What time does Ks Statebank close?

Are Ks Statebank ATMs Open 24/7?

Do Ks Statebank ATMs accept cash deposits?

Can Ks Statebank customers use other ATMs?

Do Ks Statebank branches have notaries?

Will Ks Statebank notarize my document?

What address for Ks Statebank should I put for incoming ACH transfers?

Will the Ks Statebank branch print checks?

Do Ks Statebank checks expire?

Does Ks Statebank require US citizenship to open account?

Can Ks Statebank close my account?

Does Ks Statebank Report to credit bureaus?

Does Ks Statebank Use Equifax?

What is Ks Statebank's ACH Routing Number?

What is Ks Statebank's SWIFT code?

Products

Does Ks Statebank offer mortgages?

Compare mortgage rates here.

Does Ks Statebank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ks Statebank offer personal loans?

Compare personal loan rates here.

Does Ks Statebank offer student loans?

Will Ks Statebank cash a check?

Will Ks Statebank redeem a savings bond?

Does Ks Statebank cash savings bonds?

Will Ks Statebank cash money orders?

Can Ks Statebank issue a money order?

Does Ks Statebank do currency exchange?

Background on The Bank

Who owns Ks Statebank?

How long has Ks Statebank been around?

Can Ks Statebank transfer to other banks?

Does Ks Statebank have quick pay?

Does Ks Statebank accept rolled coins?

Will Ks Statebank accept loose change?

Where is Ks Statebank headquarters?

Customer Reviews for KS StateBank


  • October 19, 2018

    Terrible Bank. Terrible Service. I tried to put a ton of money into a cd there. They rejected my application. Took them 6 days to tell me my money was no good. WTF? WORST Service EVER!

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