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First National Bank In Fredonia
Fredonia, KS · FDIC Certificate #13798 · Chartered 09/1
Total assets
$104.41M
Total deposits
$92.47M
Total equity
$11.76M
Net loans
$29.41M
Branches (offices)
1
Net income (YTD)
$731.00K
Rank: #3,647 of 4,213 U.S. banks by assets · #134 of 183 in Kansas. Assets changed 6.9% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 12.50% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 11.26% |
| Tier 1 leverage ratio | 16.73% |
| Uninsured deposits (share of deposits) | 32.3% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | -0.46% |
| Loans to deposits | 31.8% |
| Real estate loans (share of loans) | 54.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.93M | 54.2% | |
| Commercial & industrial | $4.97M | 16.9% | |
| Consumer / individual | $5.73M | 19.5% | |
| Construction & development | $120.00K | 0.4% | |
| Agricultural | $3.21M | 10.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $97.67M | $87.75M | $584.00K | $9.87M |
| Jun 2023 | $93.04M | $84.18M | $629.00K | $8.79M |
| Jun 2024 | $96.46M | $86.76M | $633.00K | $9.51M |
| Jun 2025 | $97.67M | $86.96M | $673.00K | $10.53M |
| Jun 2026 | $104.41M | $92.47M | $731.00K | $11.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $92.47M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $92.47M.
Similar-sized banks
Sibley State Bank ($104.42M) · Clay County State Bank ($104.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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