First National Bank in Fredonia
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Fredonia is an FDIC-insured commercial bank headquartered in Fredonia, KS, established in 1871 (FDIC certificate 13798), and it is supervised by the OCC. At Q2 2026 it reported total assets of $104.4M, up 6.9% from Q2 2025, the 134th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.73% 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
- 13798
- Headquarters
- Fredonia, KS
- Established
- 1871
- Total assets, Q2 2026
- $104.4M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 16.73%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101101921
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in Fredonia call report
- Holding company
- FIRST NATIONAL BANCSHARES CORPORATION OF FREDONIA
- Asset rank in state
- 134th of 182 in Kansas
First National Bank in Fredonia carries far more capital than most banks of its size. The Fredonia, Kansas bank had $104 million in assets at June 30, 2026, up 6.9% from a year earlier. It funds 16.73% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 21% of its capital, a small fraction of the median of 1.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.5 million equal 35% of Tier 1 capital, down from 42% a year earlier. Its $3.9 million non-owner-occupied commercial real estate book is improving, with 0.21% past due or on nonaccrual, down from 2.41% a year earlier. Its margin is thin by comparison: it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First National Bank in Fredonia reported a return on assets of 1.40%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 1.75%. The figures come from its call report filed with the FFIEC.
First National Bank in Fredonia ranks as the 134th largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.1% to $104.4M, loans fell 1.7% and deposits rose 3.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.0% of total loans, followed by commercial and industrial loans at 16.4%. Its one office in the FDIC Summary of Deposits is in Fredonia, KS. By the capital ratios in its Q2 2026 call report, First National Bank in Fredonia meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 730 Madison St, Fredonia, KS 66736
- County
- Wilson
- 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
- September 16, 1871
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $92.5M
- Allowance for credit losses
- $898K
- Net charge-offs (YTD)
- -$71K
- Average total assets
- $108.8M
- Average total loans
- $30.5M
- Average interest-bearing deposits
- $69.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 31, 1934
- FDIC Cert
- 13798
- Fed RSSD
- 844455
- Website
- www.fnbfredonia.com →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES CORPORATION OF FREDONIA (RSSD 1064081)
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 Fredonia 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 Fredonia's total assets ranged from $86.1M (Q3 2023) to $105.4M (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
$104.4M total assets against $97.7M; $92.7M total liabilities against $87.1M.
$29.4M net loans and leases against $28.8M; $92.5M total deposits against $87.0M.
$63.9M securities against $60.7M; $10.0M cash and balances due against $6.9M.
$1.1M total interest income against $1.1M; $267K total interest expense against $245K.
$823K net interest income against $817K.
$98K total noninterest income against $80K; $526K total noninterest expense against $529K.
$0 provision for credit losses against $7K.
$382K net income against $341K.
1.40% return on assets against 1.29%; 3.09% net interest margin against 3.17%.
16.73% tier 1 leverage ratio against 16.79%.
Inside the full First National Bank in Fredonia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Fredonia rankings
Its closest position to the top of a national ranking is 1,390 of 3,606, for efficiency ratio; its furthest is 3,634 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 1.40% (Q2 2026) and its net interest margin ran from 3.06% (Q4 2024) to 3.38% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.73% | 1.40% | 0.63% | 1.75% | 3.09% |
| Q1 2026 | 16.52% | 1.29% | 0.75% | 2.13% | 3.10% |
| Q4 2025 | 16.53% | 0.78% | 1.02% | 2.46% | 3.09% |
| Q3 2025 | 16.86% | 1.40% | 0.43% | 0.98% | 3.15% |
| Q2 2025 | 16.79% | 1.29% | 0.69% | 1.80% | 3.17% |
| Q1 2025 | 18.04% | 1.37% | 0.63% | 3.02% | 3.38% |
| Q4 2024 | 16.38% | 0.57% | 0.62% | 1.96% | 3.06% |
| Q3 2024 | 16.71% | 1.33% | 0.63% | 1.71% | 3.15% |
Swipe the table sideways to see every column.
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 Fredonia (main office) | Fredonia , KS | 66736 | $92.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 157 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $98K approved, $98K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (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 Fredonia
What are First National Bank in Fredonia's total assets?
As of the Q2 2026 filing, First National Bank in Fredonia reported total assets of $104.4 million in its FFIEC call report.
Where is First National Bank in Fredonia headquartered?
It is headquartered in Fredonia, KS, United States.
When was First National Bank in Fredonia founded?
It was established in 1871, per the FDIC institution directory.
Is First National Bank in Fredonia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13798). 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 Fredonia?
First National Bank in Fredonia's primary federal regulator is the OCC.
How many branches does First National Bank in Fredonia 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 Fredonia's Texas Ratio?
Its Texas Ratio is 1.75% 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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