🏦Bank Scorer

BANK OF THE FLINT HILLS

WAMEGO, KS · Supervised by Federal Reserve (FRB)

Est. 1875FDIC #4,791RSSD: FRB-552059
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.54%

Institution Profile

FDIC BankFind

Address

806 5th St, WAMEGO, KS

County

Pottawatomie County

Established

January 1, 1875

Total Assets

$523M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 7, 2025

Exam Type

Intermediate Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$523M

Total Deposits

$470M

Net Loans

$394M

Net Income

$2M

ROA

1.54%

ROE

19.35%

Risk-Based Capital

11.71%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.20%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$425M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418391.8%8.20%
202313696.32%3.68%
202216998.82%1.18%
202129193.13%6.87%
202037993.93%6.07%
201921489.25%9.81%
201823495.73%4.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2016

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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