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First State Bank And Trust
Tonganoxie, KS · FDIC Certificate #14974 · Chartered 12/2
Total assets
$514.93M
Total deposits
$457.63M
Total equity
$43.32M
Net loans
$332.90M
Branches (offices)
7
Net income (YTD)
$2.96M
Rank: #1,749 of 4,213 U.S. banks by assets · #40 of 183 in Kansas. Assets changed 5.6% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 13.94% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 8.41% |
| Tier 1 leverage ratio | 8.64% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.44% |
| Loans to deposits | 72.7% |
| Real estate loans (share of loans) | 86.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $288.17M | 86.6% | |
| Commercial & industrial | $22.09M | 6.6% | |
| Consumer / individual | $15.05M | 4.5% | |
| Construction & development | $28.07M | 8.4% | |
| Agricultural | $5.29M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $435.91M | $398.67M | $1.25M | $30.90M |
| Jun 2023 | $453.64M | $410.91M | $1.22M | $32.82M |
| Jun 2024 | $474.33M | $421.39M | $1.66M | $36.37M |
| Jun 2025 | $487.48M | $432.24M | $1.87M | $38.73M |
| Jun 2026 | $514.93M | $457.63M | $2.96M | $43.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $457.63M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $457.63M.
Similar-sized banks
First Credit Bank ($515.84M) · First Pacific Bank ($514.36M)
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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