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First National Bank And Trust
Phillipsburg, KS · FDIC Certificate #4756 · Chartered 01/0
Total assets
$322.20M
Total deposits
$259.47M
Total equity
$44.87M
Net loans
$221.85M
Branches (offices)
6
Net income (YTD)
$2.20M
Rank: #2,369 of 4,213 U.S. banks by assets · #67 of 183 in Kansas. Assets changed 6.8% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 10.00% |
| Net interest margin (YTD) | 4.88% |
| Equity to assets | 13.93% |
| Tier 1 leverage ratio | 14.73% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 1.87% |
| Net charge-offs (share of loans) | 0.40% |
| Loans to deposits | 85.5% |
| Real estate loans (share of loans) | 39.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.11M | 39.7% | |
| Commercial & industrial | $24.13M | 10.9% | |
| Consumer / individual | $12.09M | 5.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $99.53M | 44.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $272.84M | $237.24M | $1.24M | $32.63M |
| Jun 2023 | $280.68M | $226.48M | $1.25M | $32.64M |
| Jun 2024 | $298.44M | $238.67M | $1.62M | $35.07M |
| Jun 2025 | $301.66M | $250.62M | $2.62M | $39.98M |
| Jun 2026 | $322.20M | $259.47M | $2.20M | $44.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $259.47M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $259.47M.
Similar-sized banks
Kcb Bank ($322.30M) · Brighton Bank ($321.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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