First National Bank and Trust (Phillipsburg, KS)
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust is an FDIC-insured commercial bank headquartered in Phillipsburg, KS, established in 1884 (FDIC certificate 4756), and it is supervised by the OCC. At Q2 2026 it reported total assets of $322.2M, up 6.8% from Q2 2025, the 67th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4756
- Headquarters
- Phillipsburg, KS
- Established
- 1884
- Total assets, Q2 2026
- $322.2M
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 14.73%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101103356
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank and Trust call report
- Holding company
- GOLDEN PLAINS BANKSHARES, INC.
- Asset rank in state
- 67th of 182 in Kansas
First National Bank and Trust, based in Phillipsburg, Kansas, reported $322 million in assets at June 30, 2026, up 6.8% from a year earlier. It holds commercial real estate loans equal to only 11% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.83 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings fell sharply: quarterly net income of $784,000 was 34% below a year earlier. Its $24 million commercial and industrial book is improving, with 7.50% past due or on nonaccrual, down from 9.20% a year earlier. Profitability lags: it returns 7.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, First National Bank and Trust reported a return on assets of 0.97%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 8.55%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, First National Bank and Trust is the 67th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $322.2M, loans rose 2.1% and deposits fell 2.7%. Agricultural production loans made up 43.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.5%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in KS; its Phillipsburg 2 offices book 55% of its branch deposits. Judged on its Q2 2026 call report, First National Bank and Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 225 State St, Phillipsburg, KS 67661
- County
- Phillips
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $259.5M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $447K
- Average total assets
- $323.1M
- Average total loans
- $223.9M
- Average interest-bearing deposits
- $205.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4756
- Fed RSSD
- 183958
- Website
- www.agbank.bank →
- Parent Holding Company
- GOLDEN PLAINS BANKSHARES, INC. (RSSD 1066432)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank and Trust's total assets ranged from $284.1M (Q3 2023) to $323.8M (Q4 2025), 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
$322.2M total assets against $301.7M; $277.3M total liabilities against $261.7M.
$221.9M net loans and leases against $203.5M; $259.5M total deposits against $250.6M.
$83.2M securities against $80.7M; $3.6M cash and balances due against $6.6M.
$4.8M total interest income against $4.3M; $1.0M total interest expense against $1.1M.
$3.8M net interest income against $3.2M.
$625K total noninterest income against $641K; $3.0M total noninterest expense against $2.4M.
$575K provision for credit losses against $200K.
$784K net income against $1.2M.
0.97% return on assets against 1.58%; 4.83% net interest margin against 4.37%.
14.73% tier 1 leverage ratio against 14.73%.
Inside the full First National Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank and Trust rankings
Its closest position to the top of a national ranking is 768 of 3,640, for Texas Ratio; its furthest is 2,573 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q2 2026) to 1.92% (Q1 2025) and its net interest margin ran from 3.90% (Q3 2024) to 4.83% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.73% | 0.97% | 1.87% | 8.55% | 4.83% |
| Q1 2026 | 14.65% | 1.77% | 3.57% | 16.29% | 4.79% |
| Q4 2025 | 14.72% | 1.32% | 2.59% | 11.99% | 4.77% |
| Q3 2025 | 14.97% | 1.15% | 2.43% | 10.95% | 4.66% |
| Q2 2025 | 14.73% | 1.58% | 2.18% | 10.23% | 4.37% |
| Q1 2025 | 14.52% | 1.92% | 2.56% | 11.99% | 4.37% |
| Q4 2024 | 14.15% | 1.47% | 1.87% | 9.29% | 4.13% |
| Q3 2024 | 14.01% | 1.45% | 1.32% | 6.38% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 National Bank and Trust (main office) | Phillipsburg , KS | 67661 | $141.8M |
| Smith County Bank Branch | Smith Center , KS | 66967 | $41.7M |
| Solomon Valley Bank Branch | Beloit , KS | 67420 | $34.0M |
| Long Island Branch | Long Island , KS | 67647 | $21.2M |
| West Main Branch | Logan , KS | 67646 | $20.7M |
| Convenience Bank Branch | Phillipsburg , KS | 67661 | $0 |
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 |
|---|---|---|---|
| January 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1993 | Structure Change | Acquired The First National Bank of Logan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 28, 1990 | Structure Change | Acquired Commercial 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.
- Enforcement actions
- 1 against the institution (OCC); 8 against individuals associated with it
- June 7, 2004, OCC: Formal Agreement: First National Bank and Trust
- Period: Most recent institution action June 7, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 89 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $5.5M approved, $2.7M 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).
- Not on file
- 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 National Bank and Trust
What are First National Bank and Trust's total assets?
As of the Q2 2026 filing, First National Bank and Trust reported total assets of $322.2 million in its FFIEC call report.
Where is First National Bank and Trust headquartered?
It is headquartered in Phillipsburg, KS, United States.
When was First National Bank and Trust founded?
It was established in 1884, per the FDIC institution directory.
Is First National Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank and Trust?
First National Bank and Trust's primary federal regulator is the OCC.
How many branches does First National Bank and Trust operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank and Trust's Texas Ratio?
Its Texas Ratio is 8.55% 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.
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