FDIC Cert #4722 · Louisburg, Kansas · Est. 1920

The First National Bank of Louisburg - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$186M
Total assets
A
Health grade · Excellent
1.41%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Louisburg earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.87% Tier 1, profitable at 1.41% ROA, efficient (59% cost ratio).

#3,120
largest of 4,313 FDIC banks by assets
28th
percentile by asset size, nationally
10.87%
Tier 1 ratio - above the 10% well-capitalized line
70th
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 4722 · KS A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #2030/4307
  • PHOTO-FINISH First Merchants Bank · IN
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.41% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: First Merchants Bank, IN (±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 The First National Bank of Louisburg

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

Morgan Stanley Bank,… · UT ·…100/100Associated Bank, Nat… · WI ·…80/100First Dakota Nationa… · SD ·…80/100First Merchants Bank · IN · …80/100The City National Ba… · OK ·…80/100The First National B… · KS ·…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Louisburg · July 2026

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

The First National Bank of Louisburg (FDIC Cert #4722) carries a PlainBankData health grade of A at 80/100, 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 #2,030 of 4,307. Tier 1 capital prints at 10.87%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.41%. Balance-sheet scale is $186M, 3,120th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Merchants Bank (IN), 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 The First National Bank of Louisburg

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

The First National Bank of Louisburg 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 The First National Bank of Louisburg'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 The First National Bank of Louisburg's 80/100 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 avg77/10080/100
The First National Bank of Louisburg's composite health score
Tier 1 Capital Ratio (10.87%) 28/40
Return on Assets (ROA) (1.41%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (59.05%) 12/15

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

Balance sheet at a glance

Total Assets

$186M

Total balance-sheet footings

Total Deposits

$156M

Customer-funded liabilities

Net Loans

$122M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.47% 10.87% 12.27%
Basel III capital ratios - The First National Bank of Louisburg

Where The First National Bank of Louisburg ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Louisburg's score of 80/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

80 Top 47% higher than 53% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Louisburg 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

The First National Bank of Louisburg'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). The First National Bank of Louisburg's $186M falls in the highlighted band.

Capital & credit buffers at The First National Bank of Louisburg

Tier 1 capital ratio
Well-capitalized 10%

10.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.87%
Texas Ratio
0.00%
Equity Capital
$19M

What these ratios mean →

Earnings posture at The First National Bank of Louisburg

Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
14.72%
Efficiency Ratio
59.05%

What these mean →

Income & expense at The First National Bank of Louisburg

$8M
Interest Income
$776K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Louisburg reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Louisburg 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 ($186M here), outside Kansas so the neighborhood is not state containment.

State Bank of Bement $186M · IL Mission Bank $186M · AZ Tensas State Bank $185M · LA Peoples Bank $186M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Louisburg (FDIC Cert #4722) - 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.

The First National Bank of Louisburg 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%