Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Norton, KS · FDIC certificate #5835
FIRST STATE BANK is an FDIC-insured institution based in Norton, KS (FDIC certificate #5835). In its Q3 2026 Call Report it reported total assets of $494M, total deposits of $411M and net loans of $292M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $498M in Q1 2026 and were lowest at $493M in Q2 2026.
Total deposits were highest at $431M in Q1 2026 and lowest at $407M in Q2 2026.
Over the whole period total assets fell 0.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $494M | $411M | $292M | 1.84% | 17.44% | 4.16% |
| Q2 2026 | $493M | $407M | $279M | 1.85% | 17.70% | 4.14% |
| Q1 2026 | $498M | $431M | $288M | 1.81% | 17.75% | 4.08% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.5M | $6.6M | +$2.8M | +42.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $185.7M | $184.9M | +$815K | +0.4% |
| 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) | $278.6M | $288.0M | -$9.4M | -3.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.4M | -$30K | -1.2% |
| Other real estate owned | $33K | $33K | $0K | 0.0% |
| 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) | $3.7M | $3.7M | +$7K | +0.2% |
| All other assets | $13.3M | $12.8M | +$503K | +3.9% |
| Total assets | $493.2M | $498.5M | -$5.3M | -1.1% |
| Liabilities | ||||
| Total deposits | $406.6M | $430.7M | -$24.1M | -5.6% |
| 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 | $30.0M | $13.1M | +$16.9M | +128.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.4M | $2.1M | +$282K | +13.6% |
| Total liabilities | $439.0M | $445.9M | -$7.0M | -1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $16.1M | $16.1M | $0K | 0.0% |
| Retained earnings | $53.0M | $51.5M | +$1.5M | +2.8% |
| Accumulated other comprehensive income | -$15.4M | -$15.6M | +$198K | +1.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $54.2M | $52.5M | +$1.7M | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $331K | $788K | -$457K | -58.0% |
| Adjusted nonperforming assets | $331K | $788K | -$457K | -58.0% |
| Tangible equity plus allowance | $55.9M | $54.1M | +$1.8M | +3.3% |
| Texas ratio (gross) | 0.59% | 1.46% | -0.86 pts | See points |
| Texas ratio (adjusted) | 0.59% | 1.46% | -0.86 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.59% | 1.46% | -0.86 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) | 13.05% | 12.54% | +0.52 pts | See points |
| Construction and land loans to total capital | 7.47% | 7.84% | -0.37 pts | See points |
| Commercial real estate to total capital | 25.97% | 24.73% | +1.23 pts | See points |
| Dividend payout, year to date | 38.68% | 39.14% | -0.46 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -21.87% | -22.25% | +0.38 pts | See points |
| Liquidity | ||||
| Core deposits | $368.2M | $382.9M | -$14.7M | -3.8% |
| Non-core funding | $68.4M | $61.0M | +$7.5M | +12.2% |
| Loans to core deposits | 77.13% | 76.59% | +0.54 pts | See points |
| Loans to deposits | 69.84% | 68.08% | +1.76 pts | See points |
| Brokered deposits share of deposits | 0.00% | 2.73% | -2.73 pts | See points |
| Pledged securities share of securities | 61.51% | 58.63% | +2.88 pts | See points |
| Loans pledged, share of loans | 49.75% | 54.16% | -4.41 pts | See points |
| Volatile liabilities | $68.4M | $61.0M | +$7.5M | +12.2% |
| Earnings | ||||
| Earnings before provision, year to date | $5.3M | $2.6M | +$2.7M | +102.0% |
| Earnings before provision, single quarter | $2.7M | $2.6M | +$53K | +2.0% |
| Provision for credit losses, year to date | $450K | $225K | +$225K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.31% | 7.27% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.22% | 5.17% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.78% | 0.77% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.42% | 1.37% | +0.05 pts | See points |
| Cost of time deposits | 3.58% | 3.57% | +0.00 pts | See points |
| Total interest expense to average assets | 1.34% | 1.38% | -0.04 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 | $494M | $411M | $292M | 1.84% | 17.44% | 4.16% |
| 2026-06-30 | $493M | $407M | $279M | 1.85% | 17.70% | 4.14% |
| 2026-03-31 | $498M | $431M | $288M | 1.81% | 17.75% | 4.08% |
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 | $284.5M | 0.28% | 79 | Continuing · -0.03 pp |
| NE | $124.2M | 0.13% | 98 | 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.