First National Bank in Frankfort
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Frankfort is an FDIC-insured commercial bank headquartered in Frankfort, KS, established in 1921 (FDIC certificate 4668), and it is supervised by the OCC. At Q2 2026 it reported total assets of $61.6M, up 4.2% from Q2 2025, the 156th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.76% 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
- 4668
- Headquarters
- Frankfort, KS
- Established
- 1921
- Total assets, Q2 2026
- $61.6M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 10.76%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101113935
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in Frankfort call report
- Holding company
- FIRST FRANKFORT BANCSHARES, INC.
- Asset rank in state
- 156th of 182 in Kansas
Little in First National Bank in Frankfort's latest call report stands out. Its balance sheet stood at $62 million at June 30, 2026, up 4.2% from a year earlier; it is based in Frankfort, Kansas. On most measures it sits near the middle of the 583 banks with less than $100 million in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.9 million equal 44% of Tier 1 capital, down from 58% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 4.7% and deposits fell 0.6%. Its margin is thin by comparison: it keeps 3.31 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, First National Bank in Frankfort reported a return on assets of 0.68%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 3.81%. The figures come from its call report filed with the FFIEC.
First National Bank in Frankfort ranks as the 156th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $61.6M, loans rose 2.4% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.1% of total loans, followed by agricultural production loans at 29.9%. Its one office in the FDIC Summary of Deposits is in Frankfort, KS. By the capital ratios in its Q2 2026 call report, First National Bank in Frankfort meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 124 N Kansas Ave, Frankfort, KS 66427
- County
- Marshall
- 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 051
- Established
- March 2, 1921
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $55.4M
- Allowance for credit losses
- $452K
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $61.4M
- Average total loans
- $30.7M
- Average interest-bearing deposits
- $42.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4668
- Fed RSSD
- 923350
- Website
- www.fnbfrankfortks.com →
- Parent Holding Company
- FIRST FRANKFORT BANCSHARES, INC. (RSSD 1064595)
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 in Frankfort 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 in Frankfort's total assets ranged from $57.0M (Q2 2024) to $61.7M (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
$61.6M total assets against $59.1M; $57.7M total liabilities against $56.2M.
$30.7M net loans and leases against $29.3M; $55.4M total deposits against $55.8M.
$25.3M securities against $23.8M; $2.1M cash and balances due against $2.7M.
$723K total interest income against $679K; $233K total interest expense against $249K.
$490K net interest income against $430K.
$37K total noninterest income against $35K; $407K total noninterest expense against $377K.
No provision recorded in the last 12 quarters.
$105K net income against $91K.
0.68% return on assets against 0.63%; 3.31% net interest margin against 3.18%.
10.76% tier 1 leverage ratio against 10.97%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q3 2024) to 0.78% (Q1 2026) and its net interest margin ran from 2.82% (Q3 2024) to 3.40% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 0.68% | 0.52% | 3.81% | 3.31% |
| Q1 2026 | 10.57% | 0.78% | 0.58% | 4.30% | 3.34% |
| Q4 2025 | 10.49% | 0.63% | 0.76% | 5.56% | 3.31% |
| Q3 2025 | 10.70% | 0.66% | 0.64% | 5.23% | 3.40% |
| Q2 2025 | 10.97% | 0.63% | 0.75% | 6.80% | 3.18% |
| Q1 2025 | 10.58% | 0.57% | 0.89% | 7.47% | 3.17% |
| Q4 2024 | 10.57% | 0.51% | 0.88% | 8.71% | 2.99% |
| Q3 2024 | 10.76% | 0.39% | 0.96% | 7.22% | 2.82% |
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Branch Network
View the branch → 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 in Frankfort (main office) | Frankfort , KS | 66427 | $55.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 187 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Frankfort
What are First National Bank in Frankfort's total assets?
As of the Q2 2026 filing, First National Bank in Frankfort reported total assets of $61.6 million in its FFIEC call report.
Where is First National Bank in Frankfort headquartered?
It is headquartered in Frankfort, KS, United States.
When was First National Bank in Frankfort founded?
It was established in 1921, per the FDIC institution directory.
Is First National Bank in Frankfort FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4668). 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 Frankfort?
First National Bank in Frankfort's primary federal regulator is the OCC.
How many branches does First National Bank in Frankfort operate?
It operates 1 domestic office, 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 Frankfort's Texas Ratio?
Its Texas Ratio is 3.81% 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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