First Bank Kansas
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Data as of · sourced from FFIEC call reports. How we update
First Bank Kansas is an FDIC-insured commercial bank headquartered in Salina, KS, established in 1955 (FDIC certificate 18431), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $618.5M, up 7.8% from Q2 2025, the 32nd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 12.88% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18431
- Headquarters
- Salina, KS
- Established
- 1955
- Total assets, Q2 2026
- $618.5M
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 12.88%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 101114659
- Holding company
- OTTAWA BANCSHARES, INC.
- Asset rank in state
- 32nd of 182 in Kansas
First Bank Kansas is one of the more profitable banks of its size. Based in Salina, Kansas, it had $619 million in assets at June 30, 2026, up 7.8% from a year earlier. It earns about $4.91 a year on every $100 of assets, 3.8 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.83% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 52 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $7.6 million, 136% above the same quarter a year earlier. Over the same year, loans grew 12.3% and deposits grew 7.6%.
As of June 30, 2026, First Bank Kansas reported a CET1 capital ratio of 12.88%, a return on assets of 4.91%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.70%. The figures come from its call report filed with the FFIEC.
First Bank Kansas ranks as the 32nd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $618.5M, loans rose 2.0% and deposits were flat. 1-4 family residential loans made up 34.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.3%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in KS; its Salina 3 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank Kansas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 235 S Santa Fe Ave, Salina, KS 67401
- County
- Saline
- Metro Area
- Salina, 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 041
- Established
- June 30, 1955
- Former names
- First Bank and Trust Co. (1978-1992); First State Bank and Trust Company (1974-1978)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 126
- Domestic deposits
- $561.6M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $617.1M
- Average total loans
- $415.8M
- Average interest-bearing deposits
- $442.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 11, 1961
- FDIC Cert
- 18431
- Fed RSSD
- 192558
- Website
- www.firstbankkansas.com →
- Parent Holding Company
- OTTAWA BANCSHARES, INC. (RSSD 1056769)
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
From Q3 2023 to Q2 2026, First Bank Kansas's total assets ranged from $544.6M (Q3 2023) to $618.5M (Q2 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
$618.5M total assets against $573.7M; $569.5M total liabilities against $533.9M.
$413.9M net loans and leases against $369.0M; $561.6M total deposits against $522.1M.
$151.7M securities against $163.4M; $28.9M cash and balances due against $21.5M.
$8.8M total interest income against $7.6M; $1.6M total interest expense against $1.7M.
$7.1M net interest income against $5.9M.
$3.0M total noninterest income against $2.7M; $5.3M total noninterest expense against $5.1M.
$205K provision for credit losses against $187K.
$7.6M net income against $3.2M.
4.91% return on assets against 2.21%; 4.81% net interest margin against 4.26%.
12.88% CET1 capital ratio against 12.71%; 8.83% tier 1 leverage ratio against 8.29%.
Inside the full First Bank Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank Kansas rankings
Its closest position to the top of a national ranking is 15 of 3,611, for ROA; its furthest is 2,861 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q3 2024) to 4.91% (Q2 2026) and its net interest margin ran from 3.85% (Q3 2024) to 4.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.88% | 4.91% | 0.04% | 0.70% | 4.81% |
| Q1 2026 | 12.22% | 2.72% | 0.59% | 5.11% | 4.60% |
| Q4 2025 | 12.24% | 3.16% | 0.49% | 4.28% | 4.57% |
| Q3 2025 | 12.47% | 2.05% | 0.04% | 0.78% | 4.38% |
| Q2 2025 | 12.71% | 2.21% | 0.02% | 0.82% | 4.26% |
| Q1 2025 | 13.09% | 2.17% | 0.06% | 1.16% | 4.08% |
| Q4 2024 | 13.11% | 2.35% | 0.17% | 2.20% | 4.00% |
| Q3 2024 | 13.87% | 0.90% | 0.32% | 3.63% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| First Bank Kansas (main office) | Salina , KS | 67401 | $198.0M |
| South 9th Street Branch | Salina , KS | 67401 | $106.6M |
| Hutchinson East Branch | Hutchinson , KS | 67501 | $68.9M |
| Ellsworth Branch | Ellsworth , KS | 67439 | $64.5M |
| Mcpherson Branch | Mcpherson , KS | 67460 | $47.9M |
| First Bank Kansas (main office) | Abilene , KS | 67410 | $40.7M |
| Lindsborg Branch | Lindsborg , KS | 67456 | $24.3M |
| Drive-In Facility | Salina , KS | 67401 | $10.6M |
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 |
|---|---|---|---|
| December 14, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 14, 1990 | Structure Change | Acquired The Kanopolis State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 20, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 20, 1989 | Structure Change | Acquired Assaria 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in KS, rank 42 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 First Bank Kansas
What are First Bank Kansas's total assets?
As of the Q2 2026 filing, First Bank Kansas reported total assets of $618.5 million in its FFIEC call report.
Where is First Bank Kansas headquartered?
It is headquartered in Salina, KS, United States.
When was First Bank Kansas founded?
It was established in 1955, per the FDIC institution directory.
Is First Bank Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18431). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank Kansas?
First Bank Kansas's primary federal regulator is the FDIC.
What is First Bank Kansas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Bank Kansas operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank Kansas's Texas Ratio?
Its Texas Ratio is 0.70% 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 First Bank Kansas previously called?
The charter now named First Bank Kansas has also operated as First Bank and Trust Co. (1978-1992), First State Bank and Trust Company (1974-1978), per FDIC structure-change records.
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