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 2,795th largest bank in the nation. It was established in 1884 and as of June of 2018, it had grown to 59 employees at 6 locations. First National Bank and Trust (KS)'s CD rates are 28% higher than the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #4756
Year Established1884
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD8.85%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$212.9MM$210.3MM
LoansQ2 2018vs Q2 2017$147.0MM$137.6MM
DepositsQ2 2018vs Q2 2017$171.8MM$170.8MM
Equity CapitalQ2 2018vs Q2 2017$31.5MM$31.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.0MM$2.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$5.9MM$5.9MM
Real Estate OwnedQ2 2018vs Q2 2017$0$859.00K
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First National Bank and Trust (KS) Savings Account Rates

0.18%--Christmas Club
0.15%--Regular Savings
0.15%--All-Star Savings
0.15%--Business Savings

First National Bank and Trust (KS) Money Market Rates

0.18%--Money Market
0.18%--Business Money Market Account

First National Bank and Trust (KS) Checking Account Rates

0.10%--Interest Checking (NOW)
0.10%--Business Interest Bearing Account

First National Bank and Trust (KS) CD Rates

2.86%$500-60 Month CD
2.56%$500-48 Month CD
2.26%$500-36 Month CD
2.02%$500-24 Month CD
1.86%$500-24 Month Bump CD
1.81%$500-30 Month CD
1.46%$500-18 Month CD
1.15%$500-12 Month CD
0.75%$2.5k-182 Day CD
0.45%$2.5k-91 Day CD
0.10%$10k-7 - 31 Day CD

First National Bank and Trust (KS) IRA Rates

2.86%--60 Month Fixed Rate IRA
2.56%--48 Month Fixed Rate IRA
2.26%--36 Month Fixed Rate IRA
2.02%--24 Month Fixed Rate IRA
1.86%--24 Month Bump Rate IRA
1.81%--30 Month Fixed Rate IRA
1.46%--18 Month Fixed Rate IRA
1.21%--15 Month Fixed Rate IRA
1.15%--12 Month Fixed Rate IRA
0.75%--182 Day Fixed Rate IRA
0.45%--91 Day Fixed Rate IRA
0.45%--18 Month Variable Rate IRA
0.10%--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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