Corefirst Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Corefirst Bank & Trust is an FDIC-insured commercial bank headquartered in Topeka, KS, established in 1959 (FDIC certificate 18100), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.26B, up 0.7% from Q2 2025, the 14th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.78% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18100
- Headquarters
- Topeka, KS
- Established
- 1959
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 11.78%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 101100728
- Latest call report
- Q2 2026, FFIEC 051 · Corefirst Bank & Trust call report
- Holding company
- COMMERCE BANK AND TRUST HOLDING COMPANY
- Asset rank in state
- 14th of 182 in Kansas
Corefirst Bank & Trust is one of the more profitable banks of its size. Its balance sheet stood at $1.3 billion at June 30, 2026; it is based in Topeka, Kansas. It returns 27.3% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 8.66% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $5.2 million, 59% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $57 million equal 51% of Tier 1 capital, down from 63% a year earlier.
As of June 30, 2026, Corefirst Bank & Trust reported a CET1 capital ratio of 11.78%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 2.23%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Corefirst Bank & Trust is the 14th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.0% to $1.26B, loans rose 0.3% and deposits fell 2.2%. 1-4 family residential loans made up 24.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.6%. Its 13 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Topeka 10 offices book 92% of its branch deposits. By the capital ratios in its Q2 2026 call report, Corefirst Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3035 Sw Topeka Blvd, Topeka, KS 66611
- County
- Shawnee
- Metro Area
- Topeka, KS
- 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 051
- Established
- November 30, 1959
- Former names
- Commerce Bank and Trust (1976-2007); Commerce State Bank and Trust Company (1972-1976)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 227
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $9.1M
- Net charge-offs (YTD)
- $421K
- Average total assets
- $1.28B
- Average total loans
- $879.9M
- Average interest-bearing deposits
- $845.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 30, 1959
- FDIC Cert
- 18100
- Fed RSSD
- 361055
- Website
- www.cbtks.com →
- Parent Holding Company
- COMMERCE BANK AND TRUST HOLDING COMPANY (RSSD 1057588)
- Ultimate Parent
- RSSD 2883298
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Corefirst Bank & Trust's total assets ran between $1.22B (Q1 2025) and $1.32B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.26B total assets against $1.25B; $1.18B total liabilities against $1.18B.
$881.7M net loans and leases against $830.1M; $1.06B total deposits against $1.03B.
$277.4M securities against $298.5M; $23.0M cash and balances due against $43.2M.
$15.4M total interest income against $13.6M; $3.7M total interest expense against $3.9M.
$11.7M net interest income against $9.8M.
$4.1M total noninterest income against $4.0M; $10.1M total noninterest expense against $9.8M.
$480K provision for credit losses against $480K.
$5.2M net income against $3.3M.
1.62% return on assets against 1.04%; 3.88% net interest margin against 3.31%.
11.78% CET1 capital ratio against 12.05%; 8.66% tier 1 leverage ratio against 8.53%.
Inside the full Corefirst Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Corefirst Bank & Trust rankings
Its closest position to the top of a national ranking is 857 of 4,196, for total assets; its furthest is 1,785 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q4 2024) to 1.82% (Q3 2025) and its net interest margin ran from 3.10% (Q3 2024) to 3.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | 1.62% | 0.21% | 2.23% | 3.88% |
| Q1 2026 | 11.64% | 1.47% | 0.22% | 2.31% | 3.63% |
| Q4 2025 | 11.72% | 1.36% | 0.44% | 4.69% | 3.78% |
| Q3 2025 | 12.06% | 1.82% | 0.29% | 2.99% | 3.44% |
| Q2 2025 | 12.05% | 1.04% | 0.32% | 3.53% | 3.31% |
| Q1 2025 | 12.27% | 0.93% | 0.35% | 3.93% | 3.27% |
| Q4 2024 | 11.92% | 0.64% | 0.42% | 4.86% | 3.20% |
| Q3 2024 | 12.25% | 0.98% | 0.68% | 6.92% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Corefirst Bank & Trust (main office) | Topeka , KS | 66611 | $360.6M |
| 3701 Southwest Wanamaker Branch | Topeka , KS | 66610 | $123.9M |
| Wanamaker Branch | Topeka , KS | 66614 | $102.5M |
| Corefirst Bank & Trust (main office) | Topeka , KS | 66608 | $98.5M |
| Gage Avenue Branch | Topeka , KS | 66604 | $87.3M |
| West Branch | Topeka , KS | 66614 | $73.0M |
| Croco Branch | Topeka , KS | 66605 | $70.0M |
| Lenexa Ridge Branch | Lenexa , KS | 66219 | $50.3M |
| Kansas Avenue Branch | Topeka , KS | 66612 | $41.2M |
| Dillons East Branch | Topeka , KS | 66605 | $17.6M |
| Corefirst Bank & Trust (main office) | Olathe , KS | 66061 | $15.6M |
| Corefirst - Vallagio | Englewood , CO | 80112 | $14.3M |
| Www.Cbtks.Com | Topeka , KS | 66611 | $6.8M |
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 |
|---|---|---|---|
| September 21, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 1988 | M&A | Acquired Commerce Towne Bank merger for the acquired bank | SEC |
| February 18, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 1988 | Structure Change | Acquired Commerce Towne 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in KS, rank 24 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 418 applications, 289 loans originated, $65.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $310K approved, $310K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Corefirst Bank & Trust
What are Corefirst Bank & Trust's total assets?
As of the Q2 2026 filing, Corefirst Bank & Trust reported total assets of $1.26 billion in its FFIEC call report.
Where is Corefirst Bank & Trust headquartered?
It is headquartered in Topeka, KS, United States.
When was Corefirst Bank & Trust founded?
It was established in 1959, per the FDIC institution directory.
Is Corefirst Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Corefirst Bank & Trust?
Corefirst Bank & Trust's primary federal regulator is the FDIC.
What is Corefirst Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Corefirst Bank & Trust operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Corefirst Bank & Trust's Texas Ratio?
Its Texas Ratio is 2.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
What was Corefirst Bank & Trust previously called?
The charter now named Corefirst Bank & Trust has also operated as Commerce Bank and Trust (1976-2007), Commerce State Bank and Trust Company (1972-1976), per FDIC structure-change records.
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