The First State Bank (10503)

Overview / Commentary
206 N. Pennsylvania Ave.
Ness City, KS 67560

The First State Bank (10503) is headquartered in Ness City and is the 161st largest bank in the state of Kansas. It is also the 4,348th largest bank in the nation. It was established in 1916 and as of September of 2021, it had grown to 10 employees at 1 location. The First State Bank (10503) has an A health rating.


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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. The First State Bank (10503) has a relatively low asset base.

Health Grade Components

FDIC Certificate #10503
Year Established1916
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD8.2%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$74.7MM$70.5MM
LoansQ3 2021vs Q3 2020$19.2MM$24.9MM
DepositsQ3 2021vs Q3 2020$61.4MM$57.0MM
Equity CapitalQ3 2021vs Q3 2020$13.3MM$13.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$960.00K$942.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$0$557.00K
Real Estate OwnedQ3 2021vs Q3 2020$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.

The First State Bank (10503) Savings Account Rates

0.08%$50-Savings Account

The First State Bank (10503) Checking Account Rates

0.08%*$2.5k*$10mSuper Check Account
OTHER TIERS: 0.05% Up to $2.5k
0.05%--NOW Account

The First State Bank (10503) CD Rates

0.75%$1k-24 Month CD
0.65%$1k-18 Month CD
0.60%$1k-12 Month CD
0.40%$90k-182 Day Jumbo CD
0.35%$1k-182 Day CD
0.20%$1k-91 Day CD

The First State Bank (10503) IRA Rates

0.60%$500-12 Month IRA

The First State Bank (10503) Locations
The First State Bank206 N. Pennsylvania Ave.Ness City, KS 67560

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