KS StateBank on Your Credit Report
In short: Based in Manhattan, Kansas, KS StateBank is a state-chartered commercial bank that is not a member of the Federal Reserve System. The FDIC records certificate 19899 with a charter date of January 21, 1969 — a post-war institution by the FDIC's own dating. On the 06/30/2026 call report KS StateBank reported $2.60 billion in assets and 6 offices. KS StateBank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are open to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who KS StateBank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
KS StateBank is recorded by the FDIC under certificate 19899 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established January 21, 1969 in Manhattan, Kansas, with $2.60 billion in assets and 6 offices as of 06/30/2026.
How KS StateBank appears on your credit report
Treat KS StateBank as the original creditor here — the dispute mechanics differ from a collector's. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Home loans and home-equity lines originated locally in Kansas
- ◆Consumer accounts originated across its 6 Kansas offices
Grounds to dispute a KS StateBank entry
Each of these is a reason a KS StateBank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payoff posted by KS StateBank to the wrong account number
- ◆Settled-for-less account reported by KS StateBank as a full charge-off
- ◆State-chartered account duplicated after a core-system conversion
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
KS StateBank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, KS StateBank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send KS StateBank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
KS StateBank questions, answered
Is KS StateBank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 19899. That record lists KS StateBank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Manhattan, KS, chartered January 21, 1969, with $2.60 billion in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates KS StateBank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, KS StateBank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against KS StateBank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched KS StateBank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a KS StateBank charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the KS StateBank account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a KS StateBank entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with KS StateBank and disputing with a collector?
KS StateBank is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to KS StateBank tends to resolve factual questions a collector simply cannot answer.
Does KS StateBank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding KS StateBank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
KS StateBank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When KS StateBank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter of this age predates automated bureau furnishing, so older account history was loaded in by conversion rather than entered natively.
Can I dispute KS StateBank reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. KS StateBank must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on KS StateBank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter of this age predates automated bureau furnishing, so older account history was loaded in by conversion rather than entered natively, pull your own statements and check the KS StateBank entry field by field. One documented error beats a broad removal request every time.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by KS StateBank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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