FirstOak Bank

Overview / Commentary

www.firstoakbank.com

620-331-2265

113 North Penn Avenue
Independence, KS 67301

FirstOak Bank is headquartered in Independence and is the 79^th largest bank in the state of Kansas. It is also the 3,092^nd largest bank in the nation. It was established in 1881 and as of December of 2018, it had grown to 44 employees at 5 locations. FirstOak Bank has an A+ health rating.

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Health

A+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	4660
Year Established	1881
Employees	44
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.79%
Return on Equity - YTD	17.87%
Annual Interest Income	$8.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$180.5MM$121.8MM
Loans	Q4 2018vs Q4 2017	$132.7MM$103.6MM
Deposits	Q4 2018vs Q4 2017	$157.2MM$105.9MM
Equity Capital	Q4 2018vs Q4 2017	$19.1MM$11.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.5MM$1.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$0$731.00K
Real Estate Owned	Q4 2018vs Q4 2017	$46.00K$9.00K

Rates

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Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FirstOak Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$25	-	Young Savers Savings Account
0.50%	$100	-	Santa's Savings Account
0.40%	$100	-	Regular Savings Account

FirstOak Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.48%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.40% → $2.5k - $25k \| 0.43% → $25k - $100k

FirstOak Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	-	60 Months CD
1.51%	$1k	-	48 Months CD
1.41%	$1k	-	36 Months CD
1.21%	$1k	-	30 Months CD
1.01%	$1k	-	24 Months CD
0.90%	$1k	-	18 Months CD
0.80%	$1k	-	12 Months CD
0.70%	$1k	-	6 Months CD
0.65%	$1k	-	3 Months CD

FirstOak Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	-	60 Months IRA
1.51%	$1k	-	48 Months IRA
1.41%	$1k	-	36 Months IRA
1.21%	$1k	-	30 Months IRA
1.01%	$1k	-	24 Months IRA
0.90%	$1k	-	18 Months IRA
0.80%	$1k	-	12 Months IRA
0.70%	$1k	-	6 Months IRA
0.65%	$1k	-	3 Months IRA

Locations

FirstOak Bank Locations
First National Bank Of Pueblo Branch	1419 W US Highway 50	Pueblo, CO 81008
Firstbank Of Independence	113 North Penn Avenue	Independence, KS 67301
Elk City Branch	106 E Hickory Street	Elk City, KS 67344
Drive-Thru Branch	1801 West Main Street	Independence, KS 67301
Fredonia Branch	501 Madison Street	Fredonia, KS 66736

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