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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 14974 · KS C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3659/4307
  • PHOTO-FINISH First State Bank · MI
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 9.1% Texas
  • ROA-PAR 0.91% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: First State 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 State Bank and Trust

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

Morgan Stanley Bank,… · UT ·…100/100Farmers Savings Bank · IA · …62/100First State Bank · MI · near62/100First State Bank and… · KS ·…62/100The First National B… · MN ·…62/100TS Bank · IA · near62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank and Trust · July 2026

Call Report read for First State Bank and Trust in a high-failure state

First State Bank and Trust (FDIC Cert #14974) carries a PlainBankData health grade of C at 62/100, 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 #3,659 of 4,307. Tier 1 capital prints at 11.31%, clearing the 10% well-capitalized line. The Texas Ratio is 9.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.91%. Balance-sheet scale is $481M, 1,843rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State 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 State Bank and Trust

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

First State Bank and Trust 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 State Bank and Trust'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 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.

0/100100/100National avg77/10062/100
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 Assets

$481M

Total balance-sheet footings

Total Deposits

$421M

Customer-funded liabilities

Net Loans

$340M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.91% 11.31% 12.71%
Basel III capital ratios - First State Bank and Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% 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 State Bank and Trust 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 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.

Capital & credit buffers at First State Bank and Trust

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

What these ratios mean →

Profitability metrics: First State Bank and Trust

Return on Assets (ROA)
37th percentile nationally
0.91%
Return on Equity (ROE)
11.14%
Efficiency Ratio
71.60%

What these mean →

Income & expense at First State Bank and Trust

$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.

FDIC Failed Bank List → View First State Bank and Trust 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 ($481M here), outside Kansas so the neighborhood is not state containment.

Security State Bank $481M · IA First Northeast Bank of Nebraska $481M · NE Shoreham Bank $481M · RI 1st State Bank $480M · MI

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.

First State Bank and Trust 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%