Outdoor Bank
Manhattan, Kansas, Riley County
$649M in total assets, the 1,490th largest of 4,309 US banks and 29th of 185 headquartered in Kansas.
- FDIC certificate
- 17685
- Established
- 1897
- Owned by
- Foote Financial Services Llc
- Primary regulator
- FDIC
- Website
- www.outdoorbank.com
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $649M | 93% | $257M | |
| Loans | $475M | 94% | $172M | |
| Deposits | $572M | 93% | $214M | |
| Return on assets | 0.20% | 2% | 1.41% | |
| Net interest margin | 3.88% | 43% | 3.98% | |
| Efficiency ratio | 80.7% | 98% | 58.4% | |
| Equity to assets | 9.73% | 40% | 10.25% | |
| Loans to deposits | 83% | 63% | 78% |
Growth
Total assets grew 20.9% a year over the last 5 years and 27.5% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2021 | Stanley Bank Overland Park, KS | $150M |
| Jul 2017 | Peoples State Bank Mc Donald, KS | $122M |
| Jul 2017 | Citizens State Bank Morland, KS | $35M |
Where they operate
11 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Johnson County, KS | $183M | 0.7% | 27 of 60 |
| Riley County, KS | $105M | 3.8% | 7 of 16 |
| Pottawatomie County, KS | $71M | 7.3% | 4 of 9 |
| Sheridan County, KS | $49M | 20.5% | 3 of 4 |
| Thomas County, KS | $47M | 7.0% | 5 of 7 |
| Rawlins County, KS | $31M | 15.0% | 3 of 4 |
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 gain of 9 branches since 2016 (2 to 11, +450.0%). 1 opened, 9 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2016 | Opened Manhattan | 1 | 0 | +1 | 3 |
| 2017 | Acquired Peoples State Bank and Citizens State Bank | 8 | 0 | +8 | 11 |
| 2020 | Closed Morland | 0 | 1 | −1 | 10 |
| 2021 | Acquired Stanley Bank | 1 | 0 | +1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 17% | |
| 1-4 family residential | 20% | 27% | |
| Farmland | 15% | 17% | |
| Business (C&I) | 13% | 11% | |
| Construction and land | 10% | 5% | |
| Agricultural | 6% | 14% | |
| Multifamily | 2% | 2% | |
| Consumer | 0% | 4% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 64% | 46% | |
| Time deposits | 20% | 34% | |
| Noninterest-bearing | 17% | 20% |
Brokered deposits are 15.8% of deposits (peers 3.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 3.83% | 0.23% |
| Net charge-offs, annualized | 1.00% | 0.00% |
| Reserves to loans | 2.51% | 1.27% |
| Leverage ratio | 9.24% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Johnson 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/outdoor