Total Assets
$481M
Total balance-sheet footings
FDIC Cert #14974 · Tonganoxie, Kansas · Est. 1934
First State Bank and Trust - FDIC Bank Health Profile
A community-scale look at First State Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $481M
- Total assets
- C
- Health grade · Fair
- 0.91%
- Return on assets
- 11.3%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank and Trust earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.31% Tier 1, 0.91% ROA, 72% efficiency ratio.
- #1,843
- largest of 4,313 FDIC banks by assets
- 57th
- percentile by asset size, nationally
- 11.31%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- 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 State Bank and Trust's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank and Trust's composite health score
Tier 1 Capital Ratio (11.31%) 28/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (9.05%) 16/20
Efficiency Ratio (71.60%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$421M
Customer-funded liabilities
Net Loans
$340M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank and Trust's score of 62/100 falls in the highlighted band.
First State Bank and 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). First State Bank and Trust's $481M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.31%
Texas Ratio
9.05%
Equity Capital
$42M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.91%
Return on Equity (ROE)
11.14%
Efficiency Ratio
71.60%
What the numbers say about First State Bank and Trust
First State Bank and Trust is an FDIC-insured institution (Certificate #14974) headquartered in Tonganoxie, Kansas, established in 1934. It holds $481M in total assets - 1,843rd of 4,313 FDIC-insured banks, $421M in customer deposits, and $340M in net loans. On safety, its Tier 1 capital ratio of 11.31% is above the 10% well-capitalized threshold, and its Texas Ratio of 9.05% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (62/100), 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.
Within Kansas, First State Bank and Trust ranks 45th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$25M
Interest Income
$5M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank and Trust reports a Texas Ratio of 9.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.05% - 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 State Bank and Trust (FDIC Cert #14974) - 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 State Bank and Trust's health grade?▼
First State Bank and Trust receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First State Bank and Trust?▼
First State Bank and Trust holds $481M in total assets and $421M in deposits, ranking 1,843rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Tonganoxie, Kansas.
Is my money safe at First State Bank and Trust?▼
Yes, deposits at First State Bank and Trust (Certificate #14974) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank and Trust's Tier 1 Capital Ratio?▼
First State Bank and Trust has a Tier 1 Capital Ratio of 11.31%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First State Bank and Trust?▼
First State Bank and Trust has a Texas Ratio of 9.05%. 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 State Bank and Trust?▼
First State Bank and Trust has an Efficiency Ratio of 71.60%. 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 State Bank and Trust's profile as a depositor or analyst.
- First State Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank and Trust 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.