First National Bank of Kansas: 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: 91.81 percentage points lower than in Q1 2026, at 896.43%. First National Bank of Kansas ranks 158th of 182 Kansas banks on return on assets, in the lower half at 0.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank of Kansas sits 0.37 points lower, at 0.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.03% |
| Tier 1 risk-based capital ratio | 18.03% |
| Total risk-based capital ratio | 18.99% |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 4.04% |
| Tangible equity to tangible assets | 4.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.26% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 896.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 21.62% |
| Net interest margin | 3.12% |
| Efficiency ratio | 71.66% |
| Yield on earning assets | 4.56% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.45% |
| Core deposits to total deposits | 85.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.67% |
| Securities to assets | 43.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.63% | 18.63% | 19.56% | 9.18% | -0.02% |
| Q4 2023 | 18.06% | 18.06% | 18.97% | 9.20% | -0.24% |
| Q1 2024 | 18.64% | 18.64% | 19.57% | 8.73% | 0.38% |
| Q2 2024 | 16.83% | 16.83% | 17.67% | 8.86% | 0.40% |
| Q3 2024 | 17.11% | 17.11% | 18.02% | 8.55% | 0.56% |
| Q4 2024 | 16.15% | 16.15% | 17.02% | 8.54% | -0.14% |
| Q1 2025 | 16.47% | 16.47% | 17.33% | 8.77% | 0.64% |
| Q2 2025 | 16.68% | 16.68% | 17.63% | 8.98% | 0.20% |
| Q3 2025 | 16.98% | 16.98% | 17.93% | 9.17% | 0.64% |
| Q4 2025 | 17.29% | 17.29% | 18.25% | 9.36% | 0.37% |
| Q1 2026 | 17.62% | 17.62% | 18.58% | 9.13% | 0.68% |
| Q2 2026 | 18.03% | 18.03% | 18.99% | 9.06% | 0.87% |
First National Bank of Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Kansas, 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 of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4794) · FFIEC NIC profile (RSSD 614256)