FDIC Cert #18100 · Topeka, Kansas · Est. 1959

CoreFirst Bank & Trust - FDIC Bank Health Profile

A community-scale look at CoreFirst Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
B
Health grade · Good
1.30%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

CoreFirst Bank & Trust earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.72% Tier 1, profitable at 1.30% ROA, 68% efficiency ratio.

#851
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
11.72%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 18100 · KS B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2431/4307
  • PHOTO-FINISH COREBANK · OK
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 4.7% Texas
  • ROA-STRONG 1.30% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: COREBANK, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around CoreFirst Bank & Trust

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank & Trus… · LA ·…76/100Community State Bank · IA · …76/100COREBANK · OK · near76/100CoreFirst Bank & Trust · KS …76/100Security Bank of the… · MO ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around CoreFirst Bank & Trust · July 2026

Call Report read for CoreFirst Bank & Trust in a high-failure state

CoreFirst Bank & Trust (FDIC Cert #18100) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,431 of 4,307. Tier 1 capital prints at 11.72%, clearing the 10% well-capitalized line. The Texas Ratio is 4.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.30%. Balance-sheet scale is $1.3B, 851st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is COREBANK (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around CoreFirst Bank & Trust

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

CoreFirst Bank & Trust sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about CoreFirst Bank & Trust's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How CoreFirst Bank & Trust's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
CoreFirst Bank & Trust's composite health score
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (4.66%) 20/20
Efficiency Ratio (67.81%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$860M

Outstanding loan book

Net Income

$16M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.32% 11.72% 13.12%
Basel III capital ratios - CoreFirst Bank & Trust

Where CoreFirst Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CoreFirst Bank & Trust's score of 76/100 falls in the highlighted band.

CoreFirst Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. CoreFirst Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

CoreFirst Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CoreFirst Bank & Trust's $1.3B falls in the highlighted band.

Capital & credit buffers at CoreFirst Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.72%
Texas Ratio
4.66%
Equity Capital
$74M

What these ratios mean →

Earnings posture at CoreFirst Bank & Trust

Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
23.66%
Efficiency Ratio
67.81%

What these mean →

Income & expense at CoreFirst Bank & Trust

$57M
Interest Income
$18M
Non-Interest Income
$40M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. CoreFirst Bank & Trust reports a Texas Ratio of 4.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View CoreFirst Bank & Trust on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Kansas so the neighborhood is not state containment.

The Commercial and Savings Bank of Mi… $1.3B · OH SKYLINE NATIONAL BANK $1.3B · VA Wood & Huston Bank $1.3B · MO SouthStar Bank, S.S.B. $1.3B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CoreFirst Bank & Trust (FDIC Cert #18100) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

CoreFirst Bank & Trust Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%