The Bank is a bank based in Oberlin, Kansas, established in 1985, with $620 million in total assets across 16 branches. By Trust Grade it ranks 49th of 186 banks we track in Kansas. Its capital ratio of 11.5% is stronger than 68% of similarly sized banks, versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 2.44% return on assets. No consumer complaints against The Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Bank compares to Kansas peers
How we graded The Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.5% capital ratio)
- Strongly profitable (ROA 2.44%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (16)
- 129 Market St., Gorham, KS 67640
- 206 Main St, Grainfield, KS 67737
- 102 S Kansas Ave, Jennings, KS 67643
- 1195 S Range Ave, Colby, KS 67701
- 101 Bellview Ave, Winona, KS 67764
- 314 W Holme St, Norton, KS 67654
- 295 N Franklin Ave, Colby, KS 67701
- 400 Main St, Quinter, KS 67752
- 108 N Kansas Ave, Selden, KS 67757
- 205 S Penn Ave, Oberlin, KS 67749
- 121 W Washington Street, St. Francis, KS 67756
- 408 Main St, Victoria, KS 67671
- 210 S Bird Ave, Bird City, KS 67731
- 922 Main Ave, Goodland, KS 67735
- 225 Center Ave, Oakley, KS 67748
- 121 S 4th St, Atwood, KS 67730
Are deposits at The Bank insured?
Yes. The Bank is an FDIC-insured bank (FDIC certificate #26522). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Bank: frequently asked questions
Is The Bank a good bank?
The Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.5% capital ratio); Strongly profitable (ROA 2.44%).
Is The Bank FDIC-insured?
Yes. The Bank is a FDIC-insured bank (FDIC certificate #26522). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Bank?
The Bank holds $620 million in total assets, ranking 49th of 186 banks we track in Kansas. It operates 16 branches.
Does The Bank have CFPB complaints?
No CFPB complaints against The Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
