FNB BANK

GOODLAND, KS | Small | Est. Jan. 1, 1886, midnight | FDIC #14420 | RSSD #805250 | FDIC
Latest Report: 2025-12-31

FNB BANK is asn small FDIC-insured commercial bank headquartered in GOODLAND, KS, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $273M and total deposits of $238M. Profitability stands at -0.08% ROA and -0.85% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 12.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.11% and a Texas Ratio of 45.11%. FDIC Certificate #14420.

Assets

$273M

Deposits

$238M

Loans

$191M

Equity

$22M

Profitability

Return on Assets (ROA) -0.08%
Return on Equity (ROE) -0.85%
Net Interest Margin (NIM) 4.37%
Yield on Assets 5.80%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 6.11%
Net Charge-Off Ratio 0.14%
Texas Ratio 45.11%
NPA Ratio 4.28%
ACL / Loans 1.79%

Capital & Liquidity

CET1 Ratio 12.45%
Tier 1 Capital 12.45%
Total Capital Ratio 13.71%
Leverage Ratio 10.06%
Loan-to-Deposit 80.34%

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