Total Assets
$152M
Total balance-sheet footings
FDIC Cert #16473 · Sterling, Kansas · Est. 1907
First Bank - FDIC Bank Health Profile
A community-scale look at First Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $152M
- Total assets
- B
- Health grade · Good
- 0.71%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 12.65% Tier 1, 0.71% ROA, 64% efficiency ratio.
- #3,334
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 12.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank's composite health score
Tier 1 Capital Ratio (12.65%) 35/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (25.95%) 10/20
Efficiency Ratio (64.04%) 8/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$114M
Customer-funded liabilities
Net Loans
$100M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank's score of 67/100 falls in the highlighted band.
First Bank'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). First Bank's $152M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.65%
Texas Ratio
25.95%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
6.05%
Efficiency Ratio
64.04%
What the numbers say about First Bank
First Bank is an FDIC-insured institution (Certificate #16473) headquartered in Sterling, Kansas, established in 1907. It holds $152M in total assets - 3,334th of 4,313 FDIC-insured banks, $114M in customer deposits, and $100M in net loans. On safety, its Tier 1 capital ratio of 12.65% is above the 10% well-capitalized threshold, and its Texas Ratio of 25.95% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, First Bank ranks 113th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$9M
Interest Income
$688K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank reports a Texas Ratio of 25.95% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
25.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank (FDIC Cert #16473) - 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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Bank's health grade?▼
First Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Bank?▼
First Bank holds $152M in total assets and $114M in deposits, ranking 3,334th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sterling, Kansas.
Is my money safe at First Bank?▼
Yes, deposits at First Bank (Certificate #16473) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank's Tier 1 Capital Ratio?▼
First Bank has a Tier 1 Capital Ratio of 12.65%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank?▼
First Bank has a Texas Ratio of 25.95%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank?▼
First Bank has an Efficiency Ratio of 64.04%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank's profile as a depositor or analyst.
- First Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.