First National Bank of Kansas (KS)

Overview / Commentary
600 North Fourth Street
Burlington, KS 66839

First National Bank of Kansas (KS) is headquartered in BURLINGTON and is the 146th largest bank in the state of Kansas. It is also the 3,944th largest bank in the nation. It was established in 1902 and as of September of 2023, it had grown to 15 employees at 3 locations. First National Bank of Kansas (KS)'s CD rates are 4X the national average, but it has a C health rating.

Reviews (2)

Review of First National Bank of Kansas

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This Bank has been my bank since I moved to Kansas 3 years ago. Honestly, I went with them as they were the only bank in the small town that I live in; however, I have been very happy with both their customer service and the products they offer via internet banking. There is a 24 hour ATM available in town, along with free Bill Pay and free in-bank transfers. I was one of the people that was hit by the Target issue during the Christmas season this year, and the folks at First National called me to help me get a new card and made sure all was well and my automatic bills were being taken care of during the interim.

I have only had one issue with them. They do not allow electronic purchases/withdrawals of over $1000 during a single day. This makes purchasing something pricey like a riding lawn mower via your debit card pretty tough. It was necessary to call them with the exact amount of the purchases for that day to get it approved. If I had tried to buy the lawn mower at a big box store on say a Sunday, it would have been impossible.

Other than this one issue, First National has been an awesome bank for me.

Terrible Bank With Poor Customer Service

Cannot believe or trust in the bank! Had to pick the star, otherwise this bank is not even worth a star! I did online paying my bills. These people sent out two checks late, and my vendor tells me about it. So had to re-issue after stop-payment on the old checks! Lo behold, the checks arrive after two or more weeks, but the vendor goes and cashed out the old check with stop payment! Gets charged return fee by idiot brothers of FNBK i.e. BANK OF AMERICA. I tell my bank to reimburse and they come up with funny reason. The vendor cannot be trusted because he is third party and the bank cannot trust what he says because the bank services me and not them! So whatever I say is also not trust worthy! I end paying extra $$$ for idiot First National Bank of Kansas mistake! I asked them about change in personnel and they deny.Obviously they do not want to accept their mistake! I am getting ready to shut down that account as soon as I can!


Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First National Bank of Kansas (KS) has a relatively low asset base.

Health Grade Components

FDIC Certificate #4794
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD21.9%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$91.1MM$90MM
LoansQ3 2023vs Q3 2022$29.7MM$21.3MM
DepositsQ3 2023vs Q3 2022$78.5MM$73.6MM
Equity CapitalQ3 2023vs Q3 2022($81,000)$1.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$418K$366K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$94K$193K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Kansas (KS) Savings Account Rates

0.50%*-$15kKasasa Saver w/ Cash
OTHER TIERS: 0.10% $15k+
0.50%*-$15kKasasa Saver w/ Cash Back
OTHER TIERS: 0.10% $15k+
0.15%$100-Regular Savings Account
0.15%$100-Christmas Savings Account
0.15%$100-Business Savings Account
0.15%$100-Youth Savings Account

First National Bank of Kansas (KS) Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.15% $2.5k - $25k | 0.40% $25k - $50k
0.50%*$50k*-Business Money Market Account
OTHER TIERS: 0.15% $2.5k - $25k | 0.40% $25k - $50k

First National Bank of Kansas (KS) Checking Account Rates

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.10% $10k+
0.10%$1.5k-NOW Account
0.10%$3k-Blue Secure Premier Checking

First National Bank of Kansas (KS) CD Rates

4.00%$1k-12 Month CD
3.50%$1k-60 Month CD
3.00%$1k-48 Month CD
3.00%$1k-60 Month Jump Rate CD
2.75%$1k-30 Month CD
2.55%$1k-48 Month Jump Rate CD
2.50%$1k-18 Month CD
2.45%$1k-30 Month Jump Rate CD
2.25%$1k-18 Month Jump Rate CD
2.00%$1k-182 Day CD
1.00%$1k-91 Day CD

First National Bank of Kansas (KS) IRA Rates

4.00%$1k-12 Month IRA
3.50%$1k-60 Month IRA
3.00%$1k-48 Month IRA
3.00%$1k-48 Month Jump Rate IRA
3.00%$1k-60 Month Jump Rate IRA
2.75%$1k-30 Month IRA
2.55%$1k-30 Month Jump Rate IRA
2.50%$1k-18 Month IRA
2.45%$1k-18 Month Jump Rate IRA
2.00%$1k-182 Day IRA
1.00%$1k-91 Day IRA

First National Bank of Kansas (KS) Locations
Osage Branch18 Main StreetOsage City, KS 66523
Waverly Branch305 PearsonWaverly, KS 66871
First National Bank Of Kansas600 N 4th StBurlington, KS 66839

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