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Firstoak Bank
Independence, KS · FDIC Certificate #4660 · Chartered 01/0
Total assets
$241.23M
Total deposits
$212.34M
Total equity
$26.54M
Net loans
$185.19M
Branches (offices)
4
Net income (YTD)
$1.63M
Rank: #2,761 of 4,213 U.S. banks by assets · #81 of 183 in Kansas. Assets changed -2.0% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 12.51% |
| Net interest margin (YTD) | 5.21% |
| Equity to assets | 11.00% |
| Tier 1 leverage ratio | 10.48% |
| Uninsured deposits (share of deposits) | 26.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 87.2% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.82M | 83.1% | |
| Commercial & industrial | $26.51M | 14.3% | |
| Consumer / individual | $1.75M | 0.9% | |
| Construction & development | $7.14M | 3.9% | |
| Agricultural | $4.57M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $234.04M | $211.19M | $1.76M | $21.29M |
| Jun 2023 | $230.95M | $202.86M | $1.95M | $22.17M |
| Jun 2024 | $233.94M | $206.51M | $2.21M | $23.31M |
| Jun 2025 | $246.17M | $218.62M | $2.30M | $25.24M |
| Jun 2026 | $241.23M | $212.34M | $1.63M | $26.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $140.21M | 3 |
| Colorado | $72.13M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $212.34M.
Similar-sized banks
Security Savings Bank ($241.40M) · Nebraska Bank Of Commerce ($241.19M)
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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