First National Bank in Fredonia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 72.63 percentage points higher than in Q1 2026, at 472.63%. Within Kansas, First National Bank in Fredonia is 103rd of 182 on return on assets, 1.40% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank in Fredonia sits 0.16 points higher, at 1.40% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.73% |
| Equity capital to assets | 11.26% |
| Tangible equity to tangible assets | 11.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 1.75% |
| Allowance for credit losses to loans | 2.96% |
| Reserve coverage of non-performing loans | 472.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.40% |
| Return on equity | 13.18% |
| Net interest margin | 3.09% |
| Efficiency ratio | 56.24% |
| Yield on earning assets | 4.08% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.78% |
| Core deposits to total deposits | 82.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.56% |
| Securities to assets | 61.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.87% | 1.31% | 3.01% | 0.78% | 0.25% |
| Q4 2023 | 18.40% | 0.64% | 2.97% | 1.36% | 0.28% |
| Q1 2024 | 17.88% | 1.34% | 3.04% | 1.00% | 0.16% |
| Q2 2024 | 18.27% | 1.31% | 3.03% | 0.79% | -0.15% |
| Q3 2024 | 16.71% | 1.33% | 3.15% | 0.60% | -0.07% |
| Q4 2024 | 16.38% | 0.57% | 3.06% | 0.62% | -0.23% |
| Q1 2025 | 18.04% | 1.37% | 3.38% | 0.63% | -0.13% |
| Q2 2025 | 16.79% | 1.29% | 3.17% | 0.69% | 0.71% |
| Q3 2025 | 16.86% | 1.40% | 3.15% | 0.43% | 1.55% |
| Q4 2025 | 16.53% | 0.78% | 3.09% | 1.02% | -0.30% |
| Q1 2026 | 16.52% | 1.29% | 3.10% | 0.74% | -1.13% |
| Q2 2026 | 16.73% | 1.40% | 3.09% | 0.63% | 0.18% |
First National Bank in Fredonia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Fredonia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank in Fredonia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13798) · FFIEC NIC profile (RSSD 844455)