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Intrust Bank, National Association
Wichita, KS·FDIC Cert #4799·Charter: OCC·Est. 18761101.0·HC: INTRUST FINANCIAL CORP
Total Assets
$7.0B
Q4 2025
Return on Assets
1.20%
+0.07%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.83%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.20%+0.07
ROE
19.50%+0.68
Efficiency
60.83%-1.67
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
65.76%-1.90
Charge-offs
0.30%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.8 | 0.8 | 1.0 | 1.1 | 1.1 | 1.2 |
| ROE | 15.1 | 15.5 | 14.6 | 15.4 | 17.0 | 18.7 | 18.8 | 19.5 |
| Efficiency | 73.0 | 70.9 | 69.7 | 68.6 | 65.1 | 63.5 | 62.5 | 60.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.5 | 0.4 | 0.7 | 1.1 | 0.9 | 0.9 | 0.8 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.3 | 0.3 |
| Loan/Deposit | 61.0 | 62.5 | 61.0 | 62.5 | 64.3 | 67.4 | 67.7 | 65.8 |
Balance Sheet
Total Assets$7.0B
Total Deposits$6.3B
Total Loans$4.1B
Total Equity$463.1M
Profitability
ROA1.20%
ROE19.50%
Efficiency Ratio60.83%
Net Income$83.0M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate0.30%
Loan/Deposit65.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans