FDIC Cert #4668 · Frankfort, Kansas · Est. 1921

First National Bank in Frankfort - FDIC Bank Health Profile

A community-scale look at First National Bank in Frankfort's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$62M
Total assets
C
Health grade · Fair
0.62%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank in Frankfort earns a PlainBankData health grade of C (58/100), with well-capitalized at 10.49% Tier 1, 0.62% ROA, 81% efficiency ratio.

#4,041
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
10.49%
Tier 1 ratio - above the 10% well-capitalized line
20th
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.

FDIC Call Report plate

Cert 4668 · KS C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3913/4307
  • PHOTO-FINISH The Dart Bank · MI
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 5.6% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: The Dart Bank, MI (±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 First National Bank in Frankfort

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

Morgan Stanley Bank,… · UT ·…100/100First National Bank… · KS · …58/100Global Innovations B… · MN ·…58/100The Dart Bank · MI · near58/100The First National B… · TX ·…58/100YNB · OK · near58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank in Frankfort · July 2026

Call Report read for First National Bank in Frankfort in a high-failure state

First National Bank in Frankfort (FDIC Cert #4668) carries a PlainBankData health grade of C at 58/100, 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 #3,913 of 4,307. Tier 1 capital prints at 10.49%, clearing the 10% well-capitalized line. The Texas Ratio is 5.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $62M, 4,041st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Dart Bank (MI), 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 First National Bank in Frankfort

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

First National Bank in Frankfort 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 First National Bank in Frankfort'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 First National Bank in Frankfort's 58/100 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 avg77/10058/100
First National Bank in Frankfort's composite health score
Tier 1 Capital Ratio (10.49%) 28/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (5.56%) 16/20
Efficiency Ratio (81.32%) 0/15

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

Balance sheet at a glance

Total Assets

$62M

Total balance-sheet footings

Total Deposits

$57M

Customer-funded liabilities

Net Loans

$31M

Outstanding loan book

Net Income

$373K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.09% 10.49% 11.89%
Basel III capital ratios - First National Bank in Frankfort

Where First National Bank in Frankfort ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank in Frankfort's score of 58/100 falls in the highlighted band.

First National Bank in Frankfort: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 9th percentile higher than 9% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National Bank in Frankfort 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

First National Bank in Frankfort'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 National Bank in Frankfort's $62M falls in the highlighted band.

Capital & credit buffers at First National Bank in Frankfort

Tier 1 capital ratio
Well-capitalized 10%

10.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.49%
Texas Ratio
5.56%
Equity Capital
$4M

What these ratios mean →

Profitability metrics: First National Bank in Frankfort

Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
11.86%
Efficiency Ratio
81.32%

What these mean →

Income & expense at First National Bank in Frankfort

$3M
Interest Income
$143K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank in Frankfort reports a Texas Ratio of 5.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank in Frankfort 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 ($62M here), outside Kansas so the neighborhood is not state containment.

Tri-County Trust Company $62M · MO America's Community Bank $62M · MO Commerce Bank Texas $61M · TX Lamont Bank of St. John $61M · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank in Frankfort (FDIC Cert #4668) - 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.

First National Bank in Frankfort 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%