Bank of the Flint Hills

What Bank of the Flint Hills does

Bank of the Flint Hills is an FDIC-insured, independent community bank founded in 1876 and headquartered in Wamego, Kansas, with a regional footprint across Northeast Kansas (including a Manhattan East branch and additional locations). The institution operates as a privately held, locally-controlled retail and commercial bank, employing 51–100 staff and offering a full suite of traditional banking products: personal and business checking, savings, money market, CDs, IRAs, debit and credit cards, plus consumer and commercial lending (home loans, refinancing, auto, personal, and business loans). Specialty programs include the Kasasa Cash Back rewards checking account, Legacy Club for seniors, home ownership grant programs, and cash-management services for businesses.

Operationally, the bank runs on a standard retail/commercial banking technology stack with digital channels layered on top: a web-based online banking platform, iOS/Android mobile apps ("BFH" and "Bank Flint Hills"), Snapshot account aggregation, digital wallet support (Apple Pay/Google Pay), and telephone banking. Business customers access outgoing payment processing via the ProfitStars Smart Pay integration, while the bank's distribution model rests on physical branches, direct loan-officer relationships, and digital self-service. Revenue is generated through net interest income on loans and deposits, deposit service charges, ancillary account fees, and credit card interchange, in line with standard community bank economics.

The go-to-market approach is community-led and relationship-driven, leveraging 150 years of brand history, local decision-making, and explicit community reinvestment (school support, small business lending) as the basis for differentiation against larger regional and national competitors. Marketing concentrates on the bank website, Facebook, LinkedIn, email newsletter, and local community events. The institution holds NMLS #408248 and Equal Housing Lender status, with no disclosed parent company, institutional investors, or venture backing.

Name

Bank of the Flint Hills

Legal name

Bank of the Flint Hills

Website

https://bankflinthills.com

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

51–100 employees

Short description

Bank of the Flint Hills is an independent, FDIC-insured community bank founded in 1876 in Wamego, Kansas, serving personal and small-business customers across Northeast Kansas with checking, savings, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking
• Retail banking
• Commercial lending
• Mortgage loans
• Digital banking

Headquarters

HQ city

Wamego

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest earned on loans including home mortgages, commercial loans, auto loans, and personal loans. Interest rate spreads between deposit costs and loan yields form core profitability.
2. Deposit Service Fees: Fee income from checking account maintenance, overdraft fees, wire transfer fees, and other deposit-related service charges.
3. Account Service Charges: Revenue from various banking services including safe deposit box rental, check reordering, and other ancillary banking services.
4. Credit Card Operations: Income from credit card transactions, annual fees, and interchange fees on card transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Bank of the Flint Hills is a community bank providing a full suite of personal and business banking products, including checking accounts, savings, money market accounts, certificates of deposit (CDs), and IRAs. It also offers a range of lending products (home loans, auto loans, personal loans, and business loans) along with digital banking services via a mobile app, online banking platform, and digital wallet integration. Business services include payment acceptance, outgoing payments, and cash management tools.

Product overview

Bank of the Flint Hills is a community bank offering a comprehensive suite of traditional banking products. The core offering consists of personal and business checking and savings accounts, certificates of deposit, IRAs, and lending products including home loans, auto loans, personal loans, and business loans. Digital banking is delivered through an online banking platform, mobile banking app (BFH App), and digital wallet integration. The bank also provides specialized programs including Kasasa Cash Back rewards checking, Legacy Club for seniors, and home ownership grant programs. Business services include payment processing, cash management, and business online banking. The bank operates with a community focus, celebrating 150 years of service since 1876.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Personal and business checking accounts offering deposits, withdrawals, and bill payment services with various tier options, including the Kasasa Cash Back rewards checking account.
• Savings Accounts
• Money Market Account
• Certificates of Deposit (CDs)
• Individual Retirement Accounts (IRAs)
• Debit Cards
• Credit Cards
• Home Loans
• Refinancing
• Auto Loans
• Personal Loans
• Business Loans
• Business Checking Accounts
• Business Savings and CDs
• Accept Payments
• Outgoing Payments
• Cash Management and Business Fund Protection
• Safe Deposit Boxes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Smart Pay (ProfitStars)coreTechnology or IntegrationSmart Pay business payment platform integration enabling business customers to manage outgoing payments. Accessed via smartpay.profitstars.com for business payment processing.
• KASASAcoreTechnology or IntegrationKASASA cash back rewards checking program provider enabling the bank's fee-free Kasasa Cash Back checking account. Program includes debit card rewards and cash back on everyday purchases.
• FDIC (Federal Deposit Insurance Corporation)coreOthersFederal regulatory partner providing deposit insurance backing bank deposits up to FDIC limits. Bank is FDIC-insured, backed by the full faith and credit of the U.S. Government.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BankFlintHills
• LinkedInlinkedin.com/company/c
• Xx.com/BankFlintHills

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank of the Flint Hills