FDIC Cert #4794 · Burlington, Kansas · Est. 1902

First National Bank of Kansas - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$98M
Total assets
B
Health grade · Good
0.47%
Return on assets
17.3%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank of Kansas earns a PlainBankData health grade of B (67/100), with well-capitalized at 17.29% Tier 1, 0.47% ROA, 83% efficiency ratio.

#3,748
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
17.29%
Tier 1 ratio - above the 10% well-capitalized line
15th
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 4794 · KS B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3273/4307
  • PHOTO-FINISH The First National B… · MN
  • TIER1-WELL 17.3% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-THIN 0.47% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: The First National Bank of Proctor, MN (±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 of Kansas

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Brewton · AL · near67/100First National Bank · IN · n…67/100First National Bank… · KS · …67/100The First National B… · MN ·…67/100The First National B… · NE ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank of Kansas · July 2026

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

First National Bank of Kansas (FDIC Cert #4794) carries a PlainBankData health grade of B at 67/100, 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 #3,273 of 4,307. Tier 1 capital prints at 17.29%, clearing the 10% well-capitalized line. The Texas Ratio is 1.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.47%. Balance-sheet scale is $98M, 3,748th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Proctor (MN), 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 of Kansas

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

First National Bank of Kansas 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 of Kansas'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 of Kansas'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.

0/100100/100National avg77/10067/100
First National Bank of Kansas's composite health score
Tier 1 Capital Ratio (17.29%) 40/40
Return on Assets (ROA) (0.47%) 7/25
Texas Ratio (1.17%) 20/20
Efficiency Ratio (83.06%) 0/15

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

Balance sheet at a glance

Total Assets

$98M

Total balance-sheet footings

Total Deposits

$84M

Customer-funded liabilities

Net Loans

$41M

Outstanding loan book

Net Income

$458K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.89% 17.29% 18.69%
Basel III capital ratios - First National Bank of Kansas

Where First National Bank of Kansas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Kansas's score of 67/100 falls in the highlighted band.

First National Bank of Kansas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% 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%). This entry sits in this band. 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 of Kansas 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 of Kansas'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 of Kansas's $98M falls in the highlighted band.

Capital & credit buffers at First National Bank of Kansas

Tier 1 capital ratio
Well-capitalized 10%

17.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.29%
Texas Ratio
1.17%
Equity Capital
$4M

What these ratios mean →

Profitability metrics: First National Bank of Kansas

Return on Assets (ROA)
15th percentile nationally
0.47%
Return on Equity (ROE)
15.43%
Efficiency Ratio
83.06%

What these mean →

Income & expense at First National Bank of Kansas

$4M
Interest Income
$507K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Kansas reports a Texas Ratio of 1.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank of Kansas 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 ($98M here), outside Kansas so the neighborhood is not state containment.

Integrity Bank for Business $98M · VA Community Bank Owatonna $98M · MN The First Central National Bank of St… $98M · OH United Security Bank $99M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Kansas (FDIC Cert #4794) - 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 of Kansas 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%