First National Bank in Cimarron
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Cimarron is an FDIC-insured commercial bank headquartered in Cimarron, KS, established in 1929 (FDIC certificate 4638), and it is supervised by the OCC. At Q2 2026 it reported total assets of $143.5M, up 0.7% from Q2 2025, the 115th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 16.23% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4638
- Headquarters
- Cimarron, KS
- Established
- 1929
- Total assets, Q2 2026
- $143.5M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 16.23%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101105257
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank in Cimarron call report
- Holding company
- FIRST NATIONAL AGENCY, INC.
- Asset rank in state
- 115th of 182 in Kansas
First National Bank in Cimarron is one of the more profitable banks of its size. Based in Cimarron, Kansas, it had $143 million in assets at June 30, 2026. It returns 32.1% a year on shareholders' equity, 2.6 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 1.4% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.25% of loans from 1.94%. Earnings jumped: net income for the quarter was $766,000, 45% above the same quarter a year earlier. Where it has less room is capital: it funds 9.60% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First National Bank in Cimarron reported a CET1 capital ratio of 16.23%, a return on assets of 2.05%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank in Cimarron is the 115th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.6% to $143.5M, loans rose 1.8% and deposits fell 2.1%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 23.9% of total loans, followed by agricultural production loans at 22.4%. The FDIC Summary of Deposits lists 2 offices for it, in Cimarron, KS and Ingalls, KS; its Cimarron office books 75% of its branch deposits. Judged on its Q2 2026 call report, First National Bank in Cimarron meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 121 N Main St, Cimarron, KS 67835
- County
- Gray
- 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
- —
- Call Report form
- FFIEC 041
- Established
- May 21, 1929
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $131.3M
- Allowance for credit losses
- $739K
- Net charge-offs (YTD)
- $0
- Average total assets
- $149.6M
- Average total loans
- $69.9M
- Average interest-bearing deposits
- $88.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4638
- Fed RSSD
- 677354
- Website
- www.fnbcimarron.com →
- Parent Holding Company
- FIRST NATIONAL AGENCY, INC. (RSSD 1051625)
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, First National Bank in Cimarron's total assets ran between $127.3M (Q3 2023) and $161.6M (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
$143.5M total assets against $142.5M; $133.8M total liabilities against $135.5M.
$70.2M net loans and leases against $71.1M; $131.3M total deposits against $132.3M.
$68.2M securities against $63.2M; $2.1M cash and balances due against $5.2M.
$1.9M total interest income against $1.7M; $454K total interest expense against $422K.
$1.4M net interest income against $1.3M.
$120K total noninterest income against $80K; $869K total noninterest expense against $900K.
$0 provision for credit losses against $18K.
$766K net income against $530K.
2.05% return on assets against 1.42%; 4.02% net interest margin against 3.58%.
16.23% CET1 capital ratio against 14.57%; 9.60% tier 1 leverage ratio against 8.74%.
Inside the full First National Bank in Cimarron terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Cimarron rankings
Its closest position to the top of a national ranking is 438 of 3,611, for ROA; its furthest is 3,338 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q4 2024) to 2.11% (Q1 2026) and its net interest margin ran from 3.54% (Q4 2024) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.23% | 2.05% | 0.25% | 1.69% | 4.02% |
| Q1 2026 | 15.86% | 2.11% | 0.11% | 0.74% | 3.88% |
| Q4 2025 | 14.68% | 1.15% | 0.29% | 2.23% | 3.73% |
| Q3 2025 | 15.08% | 1.43% | 0.13% | 0.93% | 3.81% |
| Q2 2025 | 14.57% | 1.42% | 1.94% | 17.72% | 3.58% |
| Q1 2025 | 14.38% | 1.39% | 0.00% | 0.00% | 3.80% |
| Q4 2024 | 13.33% | 0.71% | 0.00% | 0.00% | 3.54% |
| Q3 2024 | 14.37% | 1.06% | 0.00% | 0.00% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The First National Bank in Cimarron | Cimarron , KS | 67835 | $99.1M |
| Ingalls Branch | Ingalls , KS | 67853 | $32.2M |
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 |
|---|---|---|---|
| May 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1991 | Structure Change | Acquired The Farmers State Bank, Ingalls, Kansas 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 137 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 National Bank in Cimarron
What are First National Bank in Cimarron's total assets?
As of the Q2 2026 filing, First National Bank in Cimarron reported total assets of $143.5 million in its FFIEC call report.
Where is First National Bank in Cimarron headquartered?
It is headquartered in Cimarron, KS, United States.
When was First National Bank in Cimarron founded?
It was established in 1929, per the FDIC institution directory.
Is First National Bank in Cimarron FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4638). 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 in Cimarron?
First National Bank in Cimarron's primary federal regulator is the OCC.
What is First National Bank in Cimarron's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank in Cimarron operate?
It operates 2 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 in Cimarron's Texas Ratio?
Its Texas Ratio is 1.69% 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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