FIRST NATIONAL BANK OF SCOTT CITY, THE

SCOTT CITY, KS | Small | Est. Jan. 1, 1902, midnight | FDIC #4769 | RSSD #414652 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF SCOTT CITY, THE is asn small FDIC-insured commercial bank headquartered in SCOTT CITY, KS, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $169M and total deposits of $146M. Profitability stands at 0.94% ROA and 7.49% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 12.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 0.90%. FDIC Certificate #4769.

Assets

$169M

Deposits

$146M

Loans

$119M

Equity

$21M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 7.49%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.17%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.48%
Texas Ratio 0.90%
NPA Ratio 0.12%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 12.65%
Tier 1 Capital 12.65%
Total Capital Ratio 13.29%
Leverage Ratio 13.94%
Loan-to-Deposit 81.44%

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