CoreFirst Bank & Trust is headquartered in TOPEKA and is the 14th largest bank in the state of Kansas. It is also the 842nd largest bank in the nation. It was established in 1959 and as of March of 2023, it had grown to 253 employees at 15 locations. CoreFirst Bank & Trust's money market rates are 9X the national average, and it has a C+ health rating.
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Pleasant CD Opening
I was looking for a 9 month CD, which is somewhat rare, and CoreFirst had one at a pretty good rate.
I drove to the Englewood office, which is the only one in Colorado since they do not open CD's over the internet. The employee was very pleasant and I was on my way in about 15 to 20 minutes.
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.
Topeka Customer
Over all I'm satisfied with the bank. They are pretty convinient in Topeka. They have a good iPhone app. I wish they had realtime text alerts. And I wish they showed me my debit card transactions as I did them. It usually takes a day to show up online. I'm happy with my new relationship account. I get ATM refunds which is useful when I travel. But I don't think many customers can get this account. I was told I qualify for it because of my mortgage at the bank. I found the fees here to be a lot less than when I banked at Bank of America. But fees were about the same as when I banked at a different local bank. I was told by customer service that they are now offering Apple Pay. I'm looking forward to that.
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.
Data as of Q1 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 18100 |
| Year Established | 1959 |
| Employees | 253 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 15.28% |
| Annual Interest Income | $11.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2023vs Q1 2022 | $1.23B$1.20B |
| Loans | Q1 2023vs Q1 2022 | $760.2MM$671.0MM |
| Deposits | Q1 2023vs Q1 2022 | $978.5MM$1.00B |
| Equity Capital | Q1 2023vs Q1 2022 | $63.2MM$82.8MM |
| Loan Loss Allowance | Q1 2023vs Q1 2022 | $8.6MM$7.7MM |
| Unbacked Noncurrent Loans | Q1 2023vs Q1 2022 | $8.2MM$9.0MM |
| Real Estate Owned | Q1 2023vs Q1 2022 | $704.00K$1.2MM |
