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 60th largest bank in the state of Kansas. It is also the 2,676th largest bank in the nation. It was established in 1884 and as of June of 2019, it had grown to 61 employees at 6 locations. First National Bank and Trust (KS)'s CD rates are 11% 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 - YTD1.32%
Return on Equity - YTD8.6%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$222.9MM$212.9MM
LoansQ2 2019vs Q2 2018$149.1MM$147.0MM
DepositsQ2 2019vs Q2 2018$179.9MM$171.8MM
Equity CapitalQ2 2019vs Q2 2018$34.6MM$31.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$3.1MM$3.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$5.4MM$5.9MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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First National Bank and Trust (KS) Savings Account Rates

0.25%--All-Star Savings
0.25%--Business Savings
0.20%--Regular Savings
0.18%--Christmas Club

First National Bank and Trust (KS) Money Market Rates

0.25%--Business Money Market Account
0.20%--Money Market

First National Bank and Trust (KS) Checking Account Rates

0.15%--Business Interest Bearing Account
0.10%--Interest Checking (NOW)

First National Bank and Trust (KS) CD Rates

1.95%$500-60 Month CD
1.86%$500-48 Month CD
1.80%$500-36 Month CD
1.65%$500-24 Month CD
1.65%$500-30 Month CD
1.50%$500-24 Month Bump CD
1.20%$500-18 Month CD
1.00%$500-12 Month CD
0.90%$2.5k-182 Day CD
0.60%$2.5k-91 Day CD
0.25%$10k-7 - 31 Day CD

First National Bank and Trust (KS) IRA Rates

1.95%--60 Month Fixed Rate IRA
1.86%--48 Month Fixed Rate IRA
1.80%--36 Month Fixed Rate IRA
1.65%--24 Month Fixed Rate IRA
1.65%--30 Month Fixed Rate IRA
1.50%--24 Month Bump Rate IRA
1.20%--18 Month Fixed Rate IRA
1.10%--15 Month Fixed Rate IRA
1.00%--12 Month Fixed Rate IRA
0.90%--182 Day Fixed Rate IRA
0.70%--18 Month Variable Rate IRA
0.60%--91 Day Fixed Rate IRA
0.25%--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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