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 64th largest bank in the state of Kansas. It is also the 2,752nd largest bank in the nation. It was established in 1884 and as of September of 2019, it had grown to 60 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 - YTD1.26%
Return on Equity - YTD8.11%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$216.3MM$210.0MM
LoansQ3 2019vs Q3 2018$150.9MM$145.7MM
DepositsQ3 2019vs Q3 2018$171.8MM$161.9MM
Equity CapitalQ3 2019vs Q3 2018$35.3MM$31.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$3.0MM$3.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$5.0MM$4.8MM
Real Estate OwnedQ3 2019vs Q3 2018$145.00K$0
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First National Bank and Trust (KS) Savings Account Rates

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

0.15%--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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