FNB Bank (Goodland, KS): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at FNB Bank. It reported $270 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.92% of loans from 2.78% a year earlier. It carries problem assets equal to 26.1% of the capital and reserves that would absorb them, 9.9 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $933,000, 83% above the same quarter a year earlier. Over the same year, loans shrank 4.3% and deposits grew 11.2%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, FNB Bank reported a CET1 capital ratio of 14.21%, a return on assets of 1.32%, a nonperforming-loan ratio of 4.03% and a Texas ratio of 26.15%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 202 E 11th St, Goodland, KS 67735
- County
- Sherman
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1886
- Former names
- First National Bank (1991-2018)
- Offices
- 5 domestic
- Employees (FTE)
- 51
- Domestic deposits
- $235.0M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $58K
- Average total assets
- $282.9M
- Average total loans
- $181.7M
- Average interest-bearing deposits
- $192.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 24, 1934
- FDIC Cert
- 14420
- Fed RSSD
- 805250
- Website
- www.fnb.com →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES, INC. (RSSD 1065378)
- Ultimate Parent
- RSSD 2267731
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full FNB Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock FNB Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
FNB Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.21% | 1.32% | 4.11% | 26.15% | 4.33% |
| Q1 2026 | 13.36% | 1.20% | 4.65% | 36.15% | 4.53% |
| Q4 2025 | 12.45% | -0.07% | 6.11% | 44.34% | 4.17% |
| Q3 2025 | 14.05% | 1.15% | 3.11% | 25.04% | 4.25% |
| Q2 2025 | 13.70% | 0.78% | 2.89% | 20.45% | 4.29% |
| Q1 2025 | 14.28% | 1.15% | 3.08% | 21.41% | 4.23% |
| Q4 2024 | 13.86% | 1.50% | 2.86% | 21.84% | 4.49% |
| Q3 2024 | 14.55% | 0.86% | 2.27% | 25.97% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FNB Bank (main office) | Goodland , KS | 67735 | $86.2M |
| Bennett Branch | Bennett , CO | 80102 | $52.3M |
| St. Francis Branch | St. Francis , KS | 67756 | $50.9M |
| Oberlin Branch | Oberlin , KS | 67749 | $29.5M |
| Kirk Branch | Kirk , CO | 80824 | $16.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 22, 2002 | Structure Change | Acquired The Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 21, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Structure Change | Acquired The Kirk State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 1998 | Structure Change | Acquired The First National Bank of Quinter Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 1994 | Structure Change | Acquired The Cheyenne County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 1991 | Structure Change | Acquired The Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for FNB Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 25, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 117 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6 applications, 4 loans originated, $800K originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.0M approved, $252K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about FNB Bank
What are FNB Bank's total assets?
As of the Q2 2026 filing, FNB Bank reported total assets of $270.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is FNB Bank headquartered?
FNB Bank is headquartered in Goodland, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was FNB Bank founded?
FNB Bank was established in 1886, per the FDIC institution directory.
Is FNB Bank FDIC-insured?
Yes. FNB Bank is an FDIC-insured commercial bank (FDIC Certificate #14420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Bank?
FNB Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is FNB Bank's CET1 capital ratio?
FNB Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FNB Bank operate?
FNB Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Bank's Texas Ratio?
FNB Bank's Texas Ratio is 26.15% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was FNB Bank previously called?
The charter now named FNB Bank has also operated as First National Bank (1991-2018), per FDIC structure-change records.
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