FirstOak Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.firstoakbank.com

620-331-2265

113 North Penn Avenue
Independence, KS 67301

FirstOak Bank is headquartered in INDEPENDENCE and is the 77^th largest bank in the state of Kansas. It is also the 2,799^th largest bank in the nation. It was established in 1881 and as of March of 2025, it had grown to 41 employees at 5 locations. FirstOak Bank has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	4660
Year Established	1881
Employees	41
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.77%
Return on Equity - YTD	17.35%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$242.1MM$240.2MM
Loans	Q1 2025vs Q1 2024	$193.7MM$192.4MM
Deposits	Q1 2025vs Q1 2024	$213.7MM$211.6MM
Equity Capital	Q1 2025vs Q1 2024	$25MM$23.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.8MM$1.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
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
0.25%	$25	-	Young Savers Savings Account
0.25%	$100	-	Santa's Savings Account
0.20%	$100	-	Regular Savings Account

FirstOak Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.15% → $2.5k - $25k \| 0.20% → $25k - $100k

FirstOak Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$1k	-	60 Month CD
0.95%	$1k	-	48 Month CD
0.85%	$1k	-	36 Month CD
0.80%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.70%	$1k	-	18 Month CD
0.65%	$1k	-	12 Month CD
0.60%	$1k	-	6 Month CD
0.55%	$1k	-	3 Month CD

FirstOak Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%	$1k	-	48 Month IRA
0.85%	$1k	-	36 Month IRA
0.80%	$1k	-	30 Month IRA
0.75%	$1k	-	24 Month IRA
0.70%	$1k	-	18 Month IRA
0.65%	$1k	-	12 Month IRA
0.60%	$1k	-	6 Month IRA
0.55%	$1k	-	3 Month IRA

Locations

FirstOak Bank Locations
Firstbank Of Independence	113 N Penn Ave	Independence, KS 67301
First National Bank Of Pueblo Branch	1419 W US Highway 50	Pueblo, CO 81008
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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