FIRST NATIONAL BANK AND TRUST

FIRST NATIONAL BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in PHILLIPSBURG, KS, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $324M and total deposits of $272M. Profitability stands at 1.30% ROA and 9.61% ROE, with a net interest margin of 4.89%. The bank's CET1 capital ratio is 13.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.53% and a Texas Ratio of 7.07%. FDIC Certificate #4756.