First National Bank and Trust (KS)

Overview / Commentary
225 State Street
Phillipsburg, KS 67661

First National Bank and Trust (KS) is headquartered in Phillipsburg and is the 63rd largest bank in the state of Kansas. It is also the 2,681st largest bank in the nation. It was established in 1884 and as of December of 2019, it had grown to 60 employees at 6 locations. First National Bank and Trust (KS) has an A health rating.


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Health Grade Components

FDIC Certificate #4756
Year Established1884
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD6.95%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$223.7MM$211.2MM
LoansQ4 2019vs Q4 2018$147.4MM$142.9MM
DepositsQ4 2019vs Q4 2018$184.4MM$172.9MM
Equity CapitalQ4 2019vs Q4 2018$35.2MM$32.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$3.1MM$3.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.1MM$6.2MM
Real Estate OwnedQ4 2019vs Q4 2018$210.00K$11.00K
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First National Bank and Trust (KS) Savings Account Rates

0.10%--Regular Savings
0.10%--All-Star Savings
0.10%--Christmas Club
0.10%--Business Savings

First National Bank and Trust (KS) Money Market Rates

0.10%--Money Market
0.10%--Business Money Market Account

First National Bank and Trust (KS) Checking Account Rates

0.05%--Interest Checking (NOW)
0.05%--Business Interest Bearing Account

First National Bank and Trust (KS) CD Rates

1.41%$500-60 Month CD
1.31%$500-48 Month CD
1.21%$500-36 Month CD
1.10%$500-30 Month CD
1.00%$500-24 Month CD
0.90%$500-24 Month Bump CD
0.80%$500-18 Month CD
0.70%$500-12 Month CD
0.50%$2.5k-182 Day CD
0.30%$2.5k-91 Day CD
0.05%$10k-7 - 31 Day CD

First National Bank and Trust (KS) IRA Rates

1.41%--60 Month Fixed Rate IRA
1.31%--48 Month Fixed Rate IRA
1.21%--36 Month Fixed Rate IRA
1.10%--30 Month Fixed Rate IRA
1.00%--24 Month Fixed Rate IRA
0.95%--15 Month Fixed Rate IRA
0.90%--24 Month Bump Rate IRA
0.80%--18 Month Fixed Rate IRA
0.70%--12 Month Fixed Rate IRA
0.55%--18 Month Variable Rate IRA
0.50%--182 Day Fixed Rate IRA
0.30%--91 Day Fixed Rate IRA
0.05%--7 - 31 Day Fixed Rate IRA

First National Bank and Trust (KS) Locations
West Main Branch201 West MainLogan, KS 67646
Smith County Bank Branch206 West Hwy 36Smith Center, KS 66967
First National Bank and Trust225 State StreetPhillipsburg, KS 67661
Long Island Branch300 Washington AvenueLong Island, KS 67647
Solomon Valley Bank Branch3011 US 24 HwyBeloit, KS 67420
Convenience Bank Branch607 Second StreetPhillipsburg, KS 67661

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