Intrust Bank, National Association
Wichita, Kansas, Sedgwick County
$6.8B in total assets, the 234th largest of 4,309 US banks and 3rd of 185 headquartered in Kansas.
- FDIC certificate
- 4799
- Established
- 1876
- Owned by
- Intrust Financial Corp
- Primary regulator
- OCC
- Website
- http://www.intrustbank.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.8B | 90% | $1.4B | |
| Loans | $4.4B | 90% | $916M | |
| Deposits | $6.0B | 90% | $1.2B | |
| Return on assets | 1.36% | 42% | 1.43% | |
| Net interest margin | 3.56% | 21% | 3.87% | |
| Efficiency ratio | 59.1% | 47% | 60.4% | |
| Equity to assets | 7.41% | 10% | 10.63% | |
| Loans to deposits | 73% | 26% | 84% |
Growth
Total assets grew -1.4% a year over the last 5 years and 4.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2019 | First Bank of Newton Newton, KS, an affiliate under the same holding company | $202M |
| Mar 2007 | First State Bank Junction City, KS | $44M |
| Aug 2001 | Will Rogers Bank Oklahoma City, OK, an affiliate under the same holding company | $137M |
| Dec 1995 | The First National Bank of Ottawa Ottawa, KS | $44M |
| Feb 1995 | Intrust Bank Valley Center, KS, an affiliate under the same holding company | $43M |
| Feb 1995 | Intrust Bank, Haysville, National Association Haysville, KS, an affiliate under the same holding company | $81M |
| Feb 1995 | Intrust Bank, El Dorado, National Association El Dorado, KS, an affiliate under the same holding company | $41M |
| Feb 1995 | Intrust Bank, Johnson County, National Association Prairie Village, KS, an affiliate under the same holding company | $83M |
| Jul 1993 | Kansas State Bank and Trust Company Wichita, KS | $349M |
| Feb 1991 | Mid Kansas Savings and Loan Association, a F.A. Wichita, KS | $436M |
Where they operate
40 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sedgwick County, KS | $3.8B | 19.3% | 2 of 38 |
| Johnson County, KS | $496M | 1.9% | 14 of 60 |
| Butler County, KS | $469M | 26.2% | 1 of 12 |
| Douglas County, KS | $257M | 7.2% | 7 of 22 |
| Harvey County, KS | $236M | 25.5% | 1 of 11 |
| Oklahoma County, OK | $212M | 0.4% | 33 of 60 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 6 branches since 2016 (46 to 40, −13.0%). 2 opened, 4 acquired, 12 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 46 | |||
| 2017 | Closed Wichita | 0 | 1 | −1 | 45 |
| 2018 | Opened Junction CityClosed Junction City and Wichita | 1 | 2 | −1 | 44 |
| 2019 | Acquired First Bank of Newton | 4 | 0 | +4 | 48 |
| 2020 | Closed 8 in Kansas | 0 | 8 | −8 | 40 |
| 2024 | Opened Oklahoma City | 1 | 0 | +1 | 41 |
| 2025 | Closed Oklahoma City | 0 | 1 | −1 | 40 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 33% | 13% | |
| Commercial real estate | 31% | 31% | |
| Construction and land | 8% | 8% | |
| Multifamily | 8% | 5% | |
| Agricultural | 6% | 5% | |
| 1-4 family residential | 6% | 25% | |
| Consumer | 4% | 2% | |
| Farmland | 0% | 8% | |
| Other | 3% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 68% | 51% | |
| Noninterest-bearing | 21% | 22% | |
| Time deposits | 12% | 27% |
Brokered deposits are 0.6% of deposits (peers 5.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.60% | 0.62% |
| Net charge-offs, annualized | 0.04% | 0.05% |
| Reserves to loans | 1.18% | 1.29% |
| Leverage ratio | 10.76% | 10.23% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Sedgwick County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/intrust