FIRST BANK

STERLING, KS | Small | Est. Jan. 1, 1907, midnight | FDIC #16473 | RSSD #49652 | FDIC
Latest Report: 2025-12-31

FIRST BANK is asn small FDIC-insured commercial bank headquartered in STERLING, KS, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $152M and total deposits of $114M. Profitability stands at -0.43% ROA and -3.49% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.24% and a Texas Ratio of 26.97%. FDIC Certificate #16473.

Assets

$152M

Deposits

$114M

Loans

$103M

Equity

$19M

Profitability

Return on Assets (ROA) -0.43%
Return on Equity (ROE) -3.49%
Net Interest Margin (NIM) 3.99%
Yield on Assets 6.09%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 5.24%
Net Charge-Off Ratio 0.14%
Texas Ratio 26.97%
NPA Ratio 3.93%
ACL / Loans 2.98%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.16%
Leverage Ratio 12.65%
Loan-to-Deposit 90.45%

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