Plains State Bank
Plains State Bank (dba Bank of the Plains) is a privately held, FDIC-insured community bank founded in 1906 in the Kansas plains, serving individuals, local SMBs, and agricultural operations with deposit, lending, credit card, and digital banking products through a branch-led, relationship-based model.
- Company typePrivate
- Founded1906
- HeadquartersPlains, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Plains State Bank does
Plains State Bank, doing business as Bank of the Plains, is a privately held, FDIC-insured community bank founded in 1906 and headquartered in the plains region of the United States (Kansas, based on routing number 101109923). The bank serves three core customer segments: individual consumers and families (personal checking, savings, personal loans, auto loans, mortgages, credit cards, safety deposit boxes), small and medium-sized local businesses (business checking, business savings, commercial loans, business credit cards and payment processing), and agricultural operations (agriculture loans, operating lines of credit, equipment financing, and land loans). Its go-to-market is a community-led relationship-banking model emphasizing local decision-making, multigenerational family service, and direct community investment — supporting 115+ local organizations and contributing 3,500+ community service hours annually through a staff of 70+ local employees.
The bank's underlying technology stack is a hybrid of self-managed digital infrastructure and third-party vendor integrations rather than a proprietary platform. Core delivery is through physical branches and a digital banking portal (accounts.bankoftheplains.com), with e-statements and account-switch workflows hosted on Adobe, customer and loan portals hosted on Salesforce (bankoftheplains.my.site.com), one-time payment processing via ProfitStars Express BD, and a dedicated mortgage origination portal (mymortgage.bankoftheplains.com). Online account opening is available through open.bankoftheplains.com. The technology does not include disclosed AI/ML capabilities, proprietary data assets, or proprietary models; integrations are described at the vendor level with limited detail.
The bank's revenue model is the standard community-bank model, with primary revenue from net interest income on its lending book (personal, auto, mortgage, agricultural, and commercial loans) net of interest paid on deposits, supplemented by transaction-fee and service-charge income from deposit accounts, credit cards, safety deposit boxes, overdrafts, and ATM usage. Specific pricing is not publicly disclosed and is determined per customer based on creditworthiness and account type. Distribution is regional and branch-led, augmented by self-serve digital channels for account opening, loan applications, and ongoing account management.
Plains State Bank firmographics
Firmographics- Name
- Plains State Bank
- Legal name
- Bank of the Plains
- Website
- https://plainsstatebank.com
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Plains State Bank (dba Bank of the Plains) is a privately held, FDIC-insured community bank founded in 1906 in the Kansas plains, serving individuals, local SMBs, and agricultural operations with deposit, lending, credit card, and digital banking products through a branch-led, relationship-based model.
- Ownership category
- akta.pro rank
Where Plains State Bank is headquartered
LocationHeadquarters
- HQ city
- Plains
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Plains State Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income generated from lending products including personal loans, auto loans, mortgages, agriculture loans, and commercial loans. Interest paid on deposits represents primary cost structure.
- Banking Fees and Service Charges: Fee income from checking accounts, savings accounts, credit cards, safety deposit boxes, and digital banking services. Includes overdraft fees, ATM fees, and account maintenance charges.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Plains State Bank product offering
Product offeringCore offering
Plains State Bank (operating as Bank of the Plains) is a community bank that provides traditional banking products including personal and business checking and savings accounts, personal loans, auto loans, mortgages, credit cards, and safety deposit boxes. The bank also offers specialized agricultural lending and commercial loans for local businesses across the plains region, supplemented by online banking, e-statements, and digital payment services.
Product overview
Bank of the Plains is a community bank offering a unified portfolio of banking products and services to personal and business customers. The product lineup includes personal checking, savings, loans (personal, auto, mortgage), credit cards, and safety deposit boxes on the consumer side; and business checking, savings, agriculture loans, commercial loans, and business credit cards on the commercial side. The bank supplements its core banking products with digital banking services including online banking enrollment, e-statements, and digital payment processing through third-party providers. Founded in 1906, the bank serves its communities through relationship banking focused on personal and agricultural lending.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Personal checking account providing access to funds on demand with digital banking tools, intended for individual consumers and families managing everyday transactions.
- Personal Savings Savings account designed to help individual customers save and earn competitive interest rates.
- Personal Loans Individual loan products for personal financial goals, accessible via the consumer loan portal.
- Auto Loans Financing solutions for vehicle purchases to help individual customers avoid auto financing delays.
- Mortgage A range of home financing options available through the bank's home loan portal for residential property buyers.
- Personal Credit Cards Credit card products for personal use with tap, swipe, and payment capabilities.
- Safety Deposit Box Secure storage service for customers' valuables and important documents at branch locations.
- Business Checking Business checking accounts designed to fit various business operational needs.
- Business Savings Business savings accounts that help companies grow their money over time.
- Agriculture Loans Loan products tailored for agricultural operations, serving farming and ranching needs across all seasons.
- Commercial Loans Business financing solutions designed to help companies grow and expand operations.
- Business Credit Cards & Processing Credit card products and payment processing solutions for business operations.
Companies that use Plains State Bank
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Plains State Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Plains State Bank partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights3 records
Plains State Bank competitors and assessment
Company assessmentBroad incumbents
- Wells Fargo: Wells Fargo is a national bank serving consumer, small business, and ag-related customers across the US; a broad incumbent competitor for Plains State Bank's deposit, mortgage, and small-business lending products.
- Arvest Bank: Arvest Bank is a large regional community bank group operating across the plains with consumer, mortgage, and business banking; broader and larger than Plains State Bank but competes in overlapping geographies, especially in ag and small business.
- JPMorgan Chase: JPMorgan Chase is a national bank with retail, business, mortgage, and ag-adjacent lending capabilities; competes with Plains State Bank for consumer deposits, mortgages, and business banking across its branch and digital channels, even in the bank's local market.
Emerging players
- FCS Financial: FCS Financial is a Farm Credit System association providing loans and financial services to farmers and ranchers in Kansas and surrounding states; competes directly with Plains State Bank for ag loans but operates under the cooperative Farm Credit umbrella with a single-segment focus.
Direct peers
- Emprise Bank: Emprise Bank is a Kansas-based, privately-held community bank providing consumer, business, and ag banking across multiple branches; similar to Plains State Bank in scale, regional footprint, and long-standing community-bank orientation.
- Heartland Tri-State Bank: Heartland Tri-State Bank is a community/ag bank serving the plains region with consumer, business, and agricultural lending; directly comparable in footprint, scale, and product mix.
- Sunflower Bank: Sunflower Bank is a regional US bank that serves ag, commercial, and consumer customers across plains and western states with branch-based relationship banking; directly comparable to Plains State Bank in target segments, product set, and ag-lending specialization.
- Capitol Federal Savings Bank: Capitol Federal is a Kansas-based thrift institution serving consumer and business customers with mortgage and deposit products; comparable as a Kansas-headquartered depository institution competing in the same consumer banking segments.
- Intrust Bank: Intrust Bank is a Kansas-headquartered community bank offering consumer, business, and ag lending with a relationship-banking model; highly comparable to Plains State Bank in geography (Kansas), product mix, and emphasis on local decision-making and community involvement.
- Equity Bank: Equity Bank is a community bank focused on ag and small-business lending across the plains and Midwest; comparable in ag-lending specialization, branch-based distribution, and SMB target customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Plains State Bank social profiles
Digital presencePlains State Bank compliance and trust
Trust signalCompliance1 record
Plains State Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Plains State Bank leadership team
Management profileNumber of profiles
Profiles2 records
Plains State Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Plains State Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Plains State Bank
What does Plains State Bank do?
Plains State Bank (operating as Bank of the Plains) is a community bank that provides traditional banking products including personal and business checking and savings accounts, personal loans, auto loans, mortgages, credit cards, and safety deposit boxes. The bank also offers specialized agricultural lending and commercial loans for local businesses across the plains region, supplemented by online banking, e-statements, and digital payment services.
Is Plains State Bank a public or private company?
Plains State Bank is a private company. It is classified as family owned and is currently operating.
When was Plains State Bank founded?
Plains State Bank was founded in 1906. It employs 11 to 50 people.
Where is Plains State Bank based?
Plains State Bank is headquartered in Plains, United States, in the North America region.
How does Plains State Bank make money?
Two revenue lines are on record. Net Interest Income is the primary driver. The others are banking Fees and Service Charges.
Who are Plains State Bank's main competitors?
Broad incumbents on record are Wells Fargo, Arvest Bank and JPMorgan Chase. FCS Financial is listed as an emerging player. Direct peers are Emprise Bank, Heartland Tri-State Bank, Sunflower Bank, Capitol Federal Savings Bank, Intrust Bank and Equity Bank.
Does Plains State Bank have an API?
No public API is recorded for Plains State Bank.