Total Assets
$105M
Total balance-sheet footings
FDIC Cert #13798 · Fredonia, Kansas · Est. 1871
First National Bank in Fredonia - FDIC Bank Health Profile
A community-scale look at First National Bank in Fredonia's own numbers, pulled straight from its quarterly FDIC Call Report.
- $105M
- Total assets
- A
- Health grade · Excellent
- 1.25%
- Return on assets
- 16.5%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank in Fredonia earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.53% Tier 1, profitable at 1.25% ROA, 63% efficiency ratio.
- #3,693
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 16.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First National Bank in Fredonia's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank in Fredonia's composite health score
Tier 1 Capital Ratio (16.53%) 40/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (2.46%) 20/20
Efficiency Ratio (62.88%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$93M
Customer-funded liabilities
Net Loans
$30M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank in Fredonia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank in Fredonia's score of 88/100 falls in the highlighted band.
First National Bank in Fredonia'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 Fredonia's $105M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.53%
Texas Ratio
2.46%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
11.61%
Efficiency Ratio
62.88%
What the numbers say about First National Bank in Fredonia
First National Bank in Fredonia is an FDIC-insured institution (Certificate #13798) headquartered in Fredonia, Kansas, established in 1871. It holds $105M in total assets - 3,693rd of 4,313 FDIC-insured banks, $93M in customer deposits, and $30M in net loans. Capital-wise, the Tier 1 ratio sits at 16.53%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank in Fredonia is a community-scale institution -- 134th of 188 FDIC-insured banks headquartered in Kansas by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$325K
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 Fredonia reports a Texas Ratio of 2.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.46% - 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 National Bank in Fredonia (FDIC Cert #13798) - 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 National Bank in Fredonia's health grade?▼
First National Bank in Fredonia receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank in Fredonia?▼
First National Bank in Fredonia holds $105M in total assets and $93M in deposits, ranking 3,693rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fredonia, Kansas.
Is my money safe at First National Bank in Fredonia?▼
Yes, deposits at First National Bank in Fredonia (Certificate #13798) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank in Fredonia's Tier 1 Capital Ratio?▼
First National Bank in Fredonia has a Tier 1 Capital Ratio of 16.53%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank in Fredonia?▼
First National Bank in Fredonia has a Texas Ratio of 2.46%. Staying under 50% is the level analysts treat as 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 National Bank in Fredonia?▼
First National Bank in Fredonia has an Efficiency Ratio of 62.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank in Fredonia's profile as a depositor or analyst.
- First National Bank in Fredonia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank in Fredonia 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.