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Intrust Bank, National Association

$1B-$10B Specialty: Commercial KS FDIC cert 4799

Wichita, KS

40 branches across KS · OK · AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits -3.4% year over year ($6.0B on the books).
  • Delinquency rate 0.61%.
  • Return on assets 1.40%.
  • Efficiency ratio 59.10% vs a 59.73% peer average.
  • Loan-to-deposit ratio 72.34% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

Intrust Bank, National Association has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.62% below tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 38.2% in tier
  • - Net Interest Margin 0.31% below tier average
Get updates when Intrust Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $6.8B
-0.4% YoY -0.3% QoQ
+$4.0B $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Top 7.3% in tier
Total Loans ? $4.3B
+3.8% YoY +1.6% QoQ
+$2.3B $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Top 10.7% in tier
Total Deposits ? $6.0B
-3.4% YoY -1.5% QoQ
+$3.6B $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 5.8% in tier
Return on Assets ? 1.40%
+28.8% YoY +6.8% QoQ
+0.01% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.56%
+14.0% YoY +2.5% QoQ
-0.31% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 59.10%
-6.9% YoY -0.3% QoQ
-0.62% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.61%
-30.1% YoY +0.2% QoQ
-0.26% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 72.34%
+7.4% YoY +3.2% QoQ
-12.70% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 20.62%
+2.5% YoY +3.1% QoQ
-0.65% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.39%
-27.1% YoY +2.1% QoQ
-0.29% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 13.66%
+4.1% YoY +1.1% QoQ
-1.18% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.56%
+12.9% YoY +100.5% QoQ
+0.03% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 20.6%
+0.5pp YoY
+0.6pp QoQ
 -0.7pp 21.4% 22.3% 22.2% 54%
Brokered Deposits 0.6%
-6.5pp YoY
-2.7pp QoQ
 -8.8pp 9.5% 8.7% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 33.2%
-0.7pp YoY
+0.9pp QoQ
 +19.2pp 14.0% 12.6% 12.5% 93%
CRE 47.7%
+0.2pp YoY
-1.2pp QoQ
 -2.3pp 50.0% 28.8% 41.4% 44%
1-4 Family 6.3%
+0.5pp YoY
+0.5pp QoQ
 -20.1pp 26.4% 26.7% 31.3% 8%
Consumer 3.9%
-0.7pp YoY
-0.1pp QoQ
 -0.8pp 4.7% 4.6% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 13.7%
+0.5pp YoY
+0.2pp QoQ
 -1.9pp 15.6% 23.3% 19.7% 52%
Leverage Ratio 10.8%
+0.8pp YoY
+0.3pp QoQ
 -0.6pp 11.3% 12.6% 12.6% 55%
Total Capital Ratio 14.6%
+0.5pp YoY
+0.2pp QoQ
 -2.1pp 16.7% 24.4% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 808
-9 (-1.1%) YoY
-5 (-0.6%) QoQ
 +494 313 70 482 95%
Assets per Employee ($) $8.4M
+0.7% YoY
+0.3% QoQ
 -$2.1M $10.5M $7.1M $8.8M 46%
Branch Count 40
-1 (-2.4%) YoY
0 QoQ
 +20 20 6 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 61%
Nonaccrual 0.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.8% 1.0% 54%
Allowance Coverage 1.97x
+27.1% YoY
+1.2% QoQ
 -16.74x 18.71x 22.44x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 19.9%
+1.2pp YoY
+0.8pp QoQ
 +7.3pp 12.6% 14.3% 11.6% 90%
Cost of Funds (YTD) 1.6%
-0.6pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.6% 1.7% 28%
Net Income ($, YTD) $47.8M
+26.2% YoY
— QoQ
 +$28.6M $19.2M $3.7M $40.4M 92%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline
#51 of 131 • Bottom 38.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

52
Total Deposits
size
Value: $5.95B
Peer Median: $2.32B
#52 of 885 Top 5.8% in $1B-$10B
66
Total Assets
size
Value: $6.76B
Peer Median: $2.79B
#66 of 885 Top 7.3% in $1B-$10B
96
Total Loans
size
Value: $4.30B
Peer Median: $1.96B
#96 of 885 Top 10.7% in $1B-$10B
141
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.53%
#141 of 885 Top 15.8% in $1B-$10B
170
Loan-to-Deposit Ratio
liquidity
Value: 72.34%
Peer Median: 85.04%
#170 of 885 Top 19.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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