Advantages of a Kansas State Charter
The Comissioner and Senior Staff are very accessible in Topeka.
The Commissioner is focused on Kansas banking issues and needs.
Permanent 25% and 35% lending limits have been set by state statute and are applicable to all banks.
The Commissioner is supportive of the dual banking system, which ensures market competitiveness among banks.
Policy changes are requested at the state, not national, level.
Bank/Trust assessments are considerably lower than national banks.
Decisions are made locally, on a case-by-case basis, in an expedient manner.
Lobbying efforts are targeted to state, not national, legislators.
Directors are not required to own qualifying shares.
The Office of the State Bank Commissioner (OSBC) is accredited by the Conference of State Bank Supervisors and meets the highest national standards.
The field examiners and office staff are highly trained and very experienced.
The OSBC offers a flexible and efficient examination process.
The OSBC assures a single point state contact with home state/host state supervisory protocol agreements.
