What KS StateBank does

KS StateBank is a privately held community bank founded in 1969 and headquartered in Manhattan, Kansas. It operates a regional two-state footprint serving Arizona and Kansas markets, providing deposit accounts, residential and commercial lending, and digital banking services to individual consumers, businesses, and — through its sub-brand Baystone Government Finance — government entities nationwide. The bank's core product set spans personal and business checking/savings accounts, residential mortgages, consumer loans, and commercial credit facilities, complemented by High Balance Deposit products offering multi-million-dollar FDIC protection and a Rebate Rewards loyalty program.

The bank monetizes through three primary revenue streams: net interest income from lending activities (residential mortgages, personal loans, commercial lending, and government finance), deposit account fees, and interchange/transaction fees from credit card services. Distribution is multi-channel — physical branches in Arizona and Kansas, online and mobile banking platforms, 24/7 automated telephone banking, and remote deposit capture for business customers. The technology stack is built on standard third-party vendor integrations: NetTeller powers online banking, ProfitStars/SmartPay handles payment processing and remote deposit, PSCU processes credit card transactions, Razr Jack Henry runs the Rebate Rewards program, and First Data 360Control supports commercial payment management. There is no proprietary technology layer, no API surface, no AI/ML capabilities disclosed, and no in-house data assets beyond standard banking operations.

Customer segmentation is horizontal, serving consumers, businesses, and government entities with a uniform product set across a regional footprint. Go-to-market is direct-to-consumer via branches, digital channels, and a modest social media presence (Facebook, LinkedIn, Instagram, Twitter), with email newsletter and educational content (financial calculators, Learning Center) supporting mid-funnel engagement. As an FDIC-insured state-chartered bank with no disclosed VC/PE ownership, no M&A history, and no funding activity, KS StateBank operates as a stable, independent regional institution with five-plus decades of operating history, multi-channel digital delivery, and limited evidence of aggressive recent expansion or contraction.

Name

KS StateBank

Legal name

KS StateBank

Website

https://ksstate.bank

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

101–250 employees

Short description

KS StateBank is a privately held community bank founded in 1969 and headquartered in Manhattan, Kansas. It serves consumers, businesses, and government entities across Arizona and Kansas with deposit accounts, residential and commercial lending, and digital banking services.

Ownership category

akta.pro rank

Headquarters

HQ city

Manhattan

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: The bank generates revenue through interest earned on residential mortgages, personal loans, and business loans including commercial lending and government finance.
2. Deposit Account Fees and Services: Fees and services related to checking accounts, savings accounts, high balance deposits, and related banking services.
3. Credit Card Services: Personal credit card products with associated payment processing and interchange fees.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

KS StateBank is a regional community bank headquartered in Manhattan, Kansas, providing deposit accounts, residential and commercial lending, personal credit cards, and digital banking services (online, mobile, and telephone) to individuals and businesses in Arizona and Kansas. Its sub-brand Baystone Government Finance extends equipment and asset financing to government and municipal clients nationwide, complemented by specialized high-balance deposit products offering multi-million-dollar FDIC protection.

Product overview

KS StateBank is a regional bank offering a unified retail and commercial banking platform serving Arizona and Kansas markets. The core banking products include deposit accounts (personal and business checking/savings), residential and commercial lending, and payment services. Digital banking capabilities are delivered through Online Banking, Mobile Banking, and Telephone Banking platforms. The bank also provides specialized services including Remote Deposit for businesses, Rebate Rewards loyalty program, and High Balance Deposit protection. Baystone Government Finance operates as a sub-brand for municipal equipment financing. Financial Calculators are offered as an educational tool suite. The product architecture is traditional retail banking with complementary digital delivery channels.

Differentiator

Problem solved

Functional benefit

Brands

• Baystone Government Finance: Government finance services that finance equipment types and assets for communities nationwide.

Products and services

• Personal Deposit Accounts Personal checking and savings accounts for individual customers, supported by online and mobile banking access for everyday banking and savings growth.
• Business Deposit Accounts Commercial deposit accounts designed for seamless transactions, easy cash flow management, and personalized business support for businesses big or small.
• High Balance Deposits Specialized deposit service extending multi-million-dollar FDIC protection to qualifying customers seeking higher-value deposit relationships.
• Residential Lending Residential mortgage and home loan solutions for Arizona and Kansas customers, tailored for various home-financing situations including purchases, refinancing, and construction.
• Personal Lending Solutions Consumer loans and personal credit options providing funds for life's milestones and personal financial needs.
• Business Lending Solutions Commercial loans and credit facilities for businesses of various sizes to support business financing and operational needs.
• Online Banking Round-the-clock digital banking platform providing account access, bill payment, bank-to-bank transfers, and e-statements, powered by NetTeller.
• Mobile Banking Mobile banking application available on iOS App Store and Google Play providing on-the-go account access plus the added convenience of Mobile Deposit.
• Telephone Banking Free automated telephone banking system available 24 hours a day, 7 days a week at 785-587-4040 or 866-587-4040 for balance, transactions, and fund transfers.
• Remote Deposit Electronic check deposit service for business customers allowing remote deposit of checks via the SmartPay/ProfitStars platform.
• Personal Credit Cards Personal credit cards for individual customers with payment processing and online account access services powered by PSCU.
• Commercial Credit Card Programs (360Control) Commercial payment solution enabling business customers to manage corporate credit card programs through First Data's 360Control platform.
• KS StateBank Rebate Rewards Customer loyalty rebate rewards program powered by Razr Jack Henry offering rebate benefits to KS StateBank customers.
• Baystone Government Finance Sub-brand of KS StateBank providing equipment and asset financing for government and municipal entities serving communities nationwide.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Baystone Government FinancecoreStrategic or Co-development PartnerBaystone Government Finance is a related entity that provides government equipment and asset financing for communities nationwide. This partnership extends KS StateBank's reach into government lending markets, offering financing solutions for various equipment types and assets needed by government entities.
• NetTellercoreTechnology or IntegrationNetTeller provides the online banking platform for KS StateBank customers, enabling secure login, account access, and digital banking services.
• ProfitStarscoreTechnology or IntegrationProfitStars provides payment processing services including remote deposit capture, consumer and commercial loan payment processing, and fee payment services for KS StateBank customers.
• PSCUcoreTechnology or IntegrationPSCU provides credit card payment processing and online access services for KS StateBank personal credit card products.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Capitol Federal Financial: Topeka-headquartered Kansas savings institution and parent of Capitol Federal Savings Bank — comparable to KS StateBank as a Kansas-based deposit-and-residential-lending institution, though thrift-structured.
• Bell Bank: Fargo, North Dakota-headquartered privately held community bank with consumer, commercial, and wealth divisions across multiple states — comparable to KS StateBank as a privately held, mid-sized regional community bank with diversified product mix.
• Equity Bank: Andover, Kansas-based community bank that expanded into a multi-state franchise via acquisition, offering consumer and commercial banking — comparable as a Kansas-rooted, multi-state community bank pursuing geographic expansion similar to KS StateBank's AZ/KS model.
• Sunflower Bank: Salina, Kansas-based community bank providing deposit, lending, and treasury services across multiple states — comparable to KS StateBank as a privately held state-chartered community bank with a digital platform and business banking focus.
• INTRUST Bank: Wichita-headquartered Kansas community bank offering personal and business banking, lending, and wealth services across Kansas and surrounding states — directly comparable in geography, product mix, and customer segments to KS StateBank.
• Emprise Bank: Wichita-based privately held Kansas community bank serving consumer and business customers across the state with deposit, lending, and treasury products — directly comparable in size, geography, and product set.

Broad incumbents

• BOK Financial: Tulsa-based regional bank holding company with commercial, consumer, and wealth operations across multiple states including Kansas — competes in the same geographic and product footprint but at substantially larger scale.
• Glacier Bancorp: Kalispell, Montana-based multi-state community bank holding company operating banks across the Western U.S. including Arizona-adjacent markets — provides a relevant benchmark for a community bank that has scaled across multiple states, similar to KS StateBank's two-state model.
• Commerce Bank: Kansas City-based larger regional bank with full retail, commercial, and wealth capabilities across multiple states — overlaps KS StateBank's Kansas market and competes for the same consumer and SMB relationships, but at significantly greater scale.

Regional players

• Heartland Tri-State Bank: Elkhart, Kansas-based small community bank serving consumer and agricultural customers in the Kansas panhandle region — comparable as a Kansas-headquartered community bank with similar core deposit-and-lending model, though at a smaller scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ksstatebank
• Facebookfacebook.com/ksstatebank
• LinkedInlinkedin.com/company/ks-state-bank
• Instagraminstagram.com/ksstatebank

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 KS StateBank