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3035 South Topeka Avenue
Topeka, KS 66611

CoreFirst Bank & Trust is headquartered in Topeka and is the 9th largest bank in the state of Kansas. It is also the 710st largest bank in the nation. It was established in 1959 and as of March of 2014, it had grown to 290 employees at 20 locations. CoreFirst Bank & Trust has a C- health rating.

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Reviews (3)

Escrow Thieves!!

We have banked with Core First since they purchased Commerce Bank and Trust in Topeka KS.  We refinanced our home with them when we still lived in Kansas. We moved to Florida in 2006 and have been trying to sell that house ever since.  We have had nothing but rude and bad service from those people since they became Core First.  We finally short sold our home this past July but only by a small amount.  The bank has fought us on the entire sale.  We finally told them we were going to allow it to go into forclosure if they didn't allow the short sale.  Amazingly, they agreed.  We only owed $138,000.00 The house sold for $143,000.00 but the closing and the real estate agent fees caused it to be a short sale.  We have paid PMI from the very beginning.  I had requested a statement on the escrow account a month prior to the short sale, a week into the short sale, the day of the closing and a week after the closing.  I still haved not received that statement.  I asked that the money left in our escrow be transferred into our checking account and was told that our escrow was negative.  I asked again for a statement to show me how that occured but they keep telling me they thought someone else sent it.  I still don't have it.  I found out our homeowners insurance premium is being refunded since it was paid the same month that the house sale closed but the bank after more than 30 days has never sent a notice of cancellation to the insurance company.  We did back on the date of closing but the insurance company wants that information from the bank.  Now I find out our refund is being sent to the bank and they are telling me that they plan on keeping it since the escrow was in the negative.  I still have not received a statement showing how it became negative.  I talked to the bank again today on the phone and got the same lies about someone else should have sent that to us.  I know they are lying but I don't know where to go to get them to provide the information they are supposed to be giving us.  I hate that bank.  If you use Core First, your as much of a fool as we were!!

Gone Downhill, Bad Service.

I had accounts with this bank for over 20 years.  When I moved to a larger city where there weren't any branches I kept the account open until they opened branches in my new city and then they became my primary bank again.  Unfortunately the service wasn't as good.  My nearest branch was closed on Saturdays.  I once went in to ask for a new check register and the associate did not know what that was.  The associates at the bank did not know how to cash out my CDs and did so incorrectly.  I had both a checking and savings at this bank and they were to transfer money from my savings to cover any checks and did not so instead I got slapped with numberous fees.  My checking account didn't get any interest so I tended to keep most of my money in savings until needed.  They failed to put a stop payment on a check as I requested and then charged me several fees on the same transaction.   Then when I went to close out the account they told me I couldn't due to one of their errors.  Sadly after more than 20 years there I took my business elsewhere.

Friendliest Bankers In Colorado

I moved my account to CoreFirst from a large national bank and will never leave. It really is all about the people and this place has the best bankers in Colorado working for them. Not to mention the fact that they don't have any fees on the checking accounts.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CoreFirst Bank & Trust had $71.63 million in non-current loans and owned real-estate with $84.72 million in equity and loan loss allowances on hand to cover it. This gives CoreFirst Bank & Trust a Texas Ratio of 84.54% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CoreFirst Bank & Trust experienced no significant changes from 89.31% as of March 31, 2013 to 84.54% as of March 31, 2014, resulting in a positive change of 5.33%.This indicates that the balance sheet and financial strength for CoreFirst Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, CoreFirst Bank & Trust has decreased its total deposits by -$21.34 million, resulting in -2.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CoreFirst Bank & Trust has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CoreFirst Bank & Trust has $951.97 million in assets with $84.72 million in equity, resulting in a capitalization level of 8.90%, which is average.

Institution Statistics

FDIC Certificate #18100
Year Established1959
Primary RegulatorFDIC
Assets and Liabilities
Assets$951.97 million
Loans$516.16 million
Deposits$694.40 million
Equity Capital$71.17 million
Loan Loss Allowance$13.55 million
Unbacked Noncurrent Loans$50.98 million
Real Estate Owned$20.64 million
Historic Data - March 2013
Assets$997.49 million
Equity Capital$79.31 million
Loan Loss Allowance$16.21 million
Unbacked Noncurrent Loans$50.98 million
Real Estate Owned$24.17 million
Profit Margin - Quarterly
Net Interest Margin2.96%
Return on Assets0.23%
Return on Equity3.19%
Interest Income$7.27 million

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CoreFirst Bank & Trust has 26 locations. Click to view all CoreFirst Bank & Trust locations.