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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Phillipsburg, KS · FDIC certificate #4756
FIRST NATIONAL BANK&TRUST is an FDIC-insured institution based in Phillipsburg, KS (FDIC certificate #4756). In its Q3 2026 Call Report it reported total assets of $329M, total deposits of $245M and net loans of $232M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NATIONAL BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $329M in Q3 2026 and were lowest at $319M in Q1 2026.
Total deposits were highest at $267M in Q1 2026 and lowest at $245M in Q3 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $329M | $245M | $232M | 1.37% | 10.07% | 4.84% |
| Q2 2026 | $322M | $259M | $222M | 1.37% | 10.00% | 4.88% |
| Q1 2026 | $319M | $267M | $217M | 1.77% | 13.00% | 4.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.6M | $4.9M | -$1.3M | -26.9% |
| Federal funds sold | $0K | $5.4M | -$5.4M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $83.2M | $78.7M | +$4.5M | +5.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $221.9M | $217.3M | +$4.5M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.9M | $5.0M | -$82K | -1.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.6M | $8.0M | +$588K | +7.3% |
| Total assets | $322.2M | $319.3M | +$2.9M | +0.9% |
| Liabilities | ||||
| Total deposits | $259.5M | $266.7M | -$7.2M | -2.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $16.5M | $7.5M | +$9.0M | +119.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.1M | +$269K | +23.5% |
| Total liabilities | $277.3M | $275.3M | +$2.0M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $1.8M | $1.8M | $0K | 0.0% |
| Retained earnings | $45.5M | $45.0M | +$574K | +1.3% |
| Accumulated other comprehensive income | -$2.7M | -$3.0M | +$248K | +8.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $44.9M | $44.0M | +$822K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.2M | $7.9M | -$3.7M | -46.6% |
| Adjusted nonperforming assets | $4.2M | $7.9M | -$3.7M | -46.6% |
| Tangible equity plus allowance | $49.5M | $48.6M | +$897K | +1.8% |
| Texas ratio (gross) | 8.55% | 16.29% | -7.75 pts | See points |
| Texas ratio (adjusted) | 8.55% | 16.29% | -7.75 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.55% | 16.29% | -7.75 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.73% | 14.65% | +0.08 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 10.81% | 13.51% | -2.70 pts | See points |
| Dividend payout, year to date | 19.06% | 14.80% | +4.27 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.71% | -6.30% | +0.59 pts | See points |
| Liquidity | ||||
| Core deposits | $230.2M | $237.9M | -$7.7M | -3.2% |
| Non-core funding | $45.7M | $36.2M | +$9.5M | +26.1% |
| Loans to core deposits | 98.38% | 93.26% | +5.12 pts | See points |
| Loans to deposits | 87.30% | 83.21% | +4.08 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 63.63% | 73.53% | -9.90 pts | See points |
| Loans pledged, share of loans | 43.62% | 41.77% | +1.85 pts | See points |
| Volatile liabilities | $45.7M | $36.2M | +$9.5M | +26.1% |
| Earnings | ||||
| Earnings before provision, year to date | $3.0M | $1.6M | +$1.4M | +86.7% |
| Earnings before provision, single quarter | $1.4M | $1.6M | -$214K | -13.3% |
| Provision for credit losses, year to date | $700K | $125K | +$575K | +460.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.49% | 7.50% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 2.62% | 4.40% | -1.77 pts | See points |
| Total interest income to average assets | 5.93% | 5.83% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.77% | 0.76% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.34% | 0.23% | +0.11 pts | See points |
| Cost of time deposits | 2.94% | 3.51% | -0.57 pts | See points |
| Total interest expense to average assets | 1.27% | 1.27% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $329M | $245M | $232M | 1.37% | 10.07% | 4.84% |
| 2026-06-30 | $322M | $259M | $222M | 1.37% | 10.00% | 4.88% |
| 2026-03-31 | $319M | $267M | $217M | 1.77% | 13.00% | 4.83% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $250.6M | 0.25% | 86 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.