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The First State Bank
Ness City, KS · FDIC Certificate #10503 · Chartered 01/0
Total assets
$84.26M
Total deposits
$74.08M
Total equity
$9.72M
Net loans
$36.70M
Branches (offices)
1
Net income (YTD)
$536.00K
Rank: #3,800 of 4,213 U.S. banks by assets · #147 of 183 in Kansas. Assets changed 4.0% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 11.33% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 11.54% |
| Tier 1 leverage ratio | 15.27% |
| Uninsured deposits (share of deposits) | 31.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 49.5% |
| Real estate loans (share of loans) | 43.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $16.10M | 43.9% | |
| Commercial & industrial | $6.06M | 16.5% | |
| Consumer / individual | $1.42M | 3.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $13.69M | 37.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $76.14M | $69.16M | $340.00K | $6.92M |
| Jun 2023 | $75.51M | $66.52M | $392.00K | $7.01M |
| Jun 2024 | $82.54M | $64.70M | $476.00K | $7.22M |
| Jun 2025 | $81.02M | $72.45M | $406.00K | $8.02M |
| Jun 2026 | $84.26M | $74.08M | $536.00K | $9.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $74.08M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $74.08M.
Similar-sized banks
Allnations Bank ($84.53M) · Independence State Bank ($84.21M)
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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