INTRUST BANK, NATIONAL ASSOCIATION

WICHITA, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1876FDIC #4,799

Outstanding Up

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.31%

Institution Profile

FDIC BankFind

Website

www.intrustbank.com

Address

105 N Main St, WICHITA, KS

County

Sedgwick County

Established

November 1, 1876

Total Assets

$6.8B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 17, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jan 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.8B

Total Deposits

$6.0B

Net Loans

$4.2B

Net Income

$23M

ROA

1.31%

Above avg for Community banks. Peer avg: 0.90%

ROE

19.13%

Risk-Based Capital

14.45%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.31%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.45%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate24.68%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$6.2B

1-Year Change

5-year net change: -7 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	770	62.73%	24.68%
2023	799	62.45%	25.91%
2022	903	62.24%	25.80%
2021	1,174	65.67%	20.44%
2020	1,706	69.58%	17.06%
2019	1,405	72.53%	19.07%
2018	1,323	69.99%	20.41%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2023	Outstanding	Large Bank
Jan 2020	Satisfactory	Large Bank
Oct 2016	Satisfactory	Large Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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