What Kansas State Bank does

Kansas State Bank is a privately held community bank founded in 1917 by Glen H. Hill and headquartered at 236 N Main St in Ottawa, Kansas. The bank operates two physical branches (Ottawa and Baldwin City) and serves individual consumers, small and medium-sized businesses, homebuyers, and the agricultural/rural community across Franklin, Douglas, Osage, Miami, and Anderson counties. It is FDIC-insured and operates as an Equal Housing Lender.

The bank's core products span three lines: personal banking (three checking tiers ranging from $2 to $7.25 per month, savings, money market, CDs, IRAs, Christmas/Summer club accounts), business banking (three checking tiers, savings, money market, and a multi-user cash management platform with ACH origination and wire transfers), and lending (fixed-rate mortgages, HELOCs, construction, bridge, cash-out refinance, home improvement, agricultural property loans, personal loans, and Visa credit cards issued through a Bankers Bank of Kansas partnership). Digital delivery is handled through an upgraded online banking platform and native iOS/Android mobile apps with mobile check deposit, card management, two-factor authentication, and digital wallet integration (Apple Pay, Google Pay, Samsung Pay). Additional services include safe deposit boxes ($15-$35 annually), 24/7 telephone banking, ID Protect identity theft protection, and cellular telephone protection bundled with premium checking.

The revenue model is traditional community bank economics: net interest income from loan and deposit spreads is the primary driver, supplemented by overdraft/NSF fees ($33 per item, max five per day), monthly service charges on checking and savings accounts, per-item transaction fees on business accounts, credit card interchange from the Bankers Bank of Kansas partnership, safe deposit box rentals, and earnings credits on business balances. The go-to-market motion is relationship-based, community-led acquisition emphasizing "hometown" personal service, multi-generational customer tenure, and active participation in local civic organizations (Ottawa Main Street, Franklin County Fair Board, Farm Bureau, Chamber of Commerce leadership). Marketing channels include community involvement, a Practical Business Skills educational platform targeting SMB prospects, organic social media, customer testimonials, and a suite of over 50 financial calculators.

Name

Kansas State Bank

Legal name

Kansas State Bank

Website

https://mykansasstatebank.com

Company type

Private

Founded year

1917

Operating status

Operating

Headcount range

1–10 employees

Short description

Kansas State Bank is a privately held community bank founded in 1917 in Ottawa, Kansas, serving individual consumers, small businesses, and agricultural borrowers across five Kansas counties through two branches and a digital banking platform offering deposit, lending, and cash management products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Retail deposit accounts
• Consumer lending products
• Small business banking
• Mortgage loan products

Headquarters

HQ city

Ottawa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue from interest earned on loans (mortgages, personal loans, commercial loans) and other credit products. Interest rate spreads between deposits and lending products.
2. Overdraft and NSF Fees: Fees charged when accounts are overdrawn. $33.00 overdraft item fee per item, up to a maximum of five per day, plus $5 per business day for accounts overdrawn 4 or more consecutive business days.
3. Monthly Service Charges: Recurring monthly fees on checking accounts: Premier Choice ($7.25), First Choice ($5.75), Basic Choice ($2.00 paper statement). Business checking accounts ranging from free to $10/month. Fees waived for maintaining minimum balance thresholds.
4. Deposit Account Fees: Fees on deposit accounts including minimum balance charges (e.g., $5 quarterly fee if savings balance falls below $100, $5 monthly fee for business savings below $100, $12 monthly fee for money market below $2,500).
5. Credit Card Interchange: Revenue from credit card partnership with Bankers Bank of Kansas, earning interchange fees on card transactions. Features include points rewards, no annual fees, and competitive rates.
6. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes ranging from $15 to $35 per year depending on box dimensions.
7. ATM and Transaction Fees: Fees on business checking accounts per deposited item ($0.10) and per debit item ($0.15). Transaction fees after free allowances on business accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Kansas State Bank is a community bank providing FDIC-insured personal and business banking services, including checking, savings, money market, CDs, IRAs, debit and credit cards, mortgage and personal lending, business cash management, and digital banking channels. The bank has served Ottawa, Kansas and surrounding counties since 1917, operating two physical branches and offering online, mobile, and telephone banking.

Product overview

Kansas State Bank offers a community banking platform with a comprehensive suite of personal and business financial products. The core offerings include multiple checking account tiers (Premier Choice, First Choice, Basic Choice), savings vehicles (including Money Market, CDs, IRAs, Christmas Club, and Summer Savings accounts), lending products (personal loans, mortgages, HELOCs, construction loans, agricultural loans), and business services (checking, savings, cash management). Digital banking is delivered through Online Banking and Mobile Banking platforms with features including Mobile Check Deposit, Bill Payment, and e-Statements. Premium checking includes ID Protect and cellular phone protection as add-on services. Business customers access multi-user Cash Management services. The bank also provides credit cards (via Bankers Bank of Kansas partnership), debit cards with digital wallet support, safe deposit boxes, telephone banking, and overdraft protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Premier Choice Checking

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Bankers Bank of KansascoreGTM or Marketing PartnerKansas State Bank is partnered with Bankers Bank of Kansas to offer credit card products to both personal and business customers. The partnership enables KSB to provide Visa credit cards with features including point rewards, no annual fees, lower rates than large credit card companies, contactless payments, emergency roadside assistance, enhanced fraud alerts, and Visa's Zero Liability Policy.
• Practical Business SkillsminorGTM or Marketing PartnerKansas State Bank partners with Practical Business Skills to provide free online business skills education and resources to prospective small business customers. The platform helps entrepreneurs learn real-world business skills and is promoted on the bank's website to attract and support small business banking relationships.
• Marion National BankminorOthersAffiliate company related by common ownership or control. Listed in the Privacy Policy as an affiliate company that Kansas State Bank may share customer information with for everyday business purposes (though current policy indicates no sharing occurs).
• First National Bank of LouisburgminorOthersAffiliate company related by common ownership or control. Listed in the Privacy Policy as an affiliate company that Kansas State Bank may share customer information with for everyday business purposes (though current policy indicates no sharing occurs).

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Capitol Federal Financial: One of the largest Kansas-based thrifts, operating a broad retail and mortgage franchise statewide. Overlaps Kansas State Bank's deposit and mortgage products but at materially larger scale and geographic reach.
• Equity Bank: Multi-state Midwest community bank with significant Kansas presence across retail, business, and agricultural banking. Broader footprint and product depth than Kansas State Bank, but directly competing for the same rural/SME customer base.
• UMB Bank: Large regional bank with substantial Kansas commercial banking presence, offering cash management, treasury, and lending services to SMEs. Competes for Kansas State Bank's larger business banking customers.
• Intrust Bank: Large Kansas-headquartered commercial bank with statewide personal, business, and wealth management services. Competes in overlapping Kansas geographies and product categories, but at significantly greater scale.
• Commerce Bank: Major regional bank with retail, commercial, and wealth operations across Kansas and the broader Midwest. Operates a much larger branch and digital footprint but competes for the same Kansas consumer and SME relationships.

Direct peers

• Landmark National Bank: Kansas-headquartered community bank offering personal, business, and agricultural lending across multiple Kansas branches. Directly comparable in product mix, Kansas footprint, and community banking orientation.
• Emprise Bank: Kansas-based community bank with comparable personal/business banking and agricultural lending products across multiple Kansas locations. Closely matched community banking profile and rural/mid-size city footprint.
• Community National Bank & Trust: Community bank serving Kansas and Missouri with retail, business, and agricultural lending. Operates in similar small-town geographies and offers a comparable deposit-and-loan product suite.
• First National Bank of Louisburg: Kansas community bank explicitly identified in Kansas State Bank's privacy policy as an affiliate under common ownership. Operates a near-identical retail/SME community banking model in eastern Kansas, making it the closest direct comparable.
• Marion National Bank: Kansas community bank also identified as a common-ownership affiliate of Kansas State Bank. Provides directly comparable small-town Kansas retail and commercial banking services, making it a tight peer for benchmarking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KansasStateBank
• Facebookfacebook.com/kansasstatebank
• LinkedInlinkedin.com/company/kansas-state-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Kansas State Bank