The First National Bank of Scott City
Also written as FNB of Scott City
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Scott City is an FDIC-insured commercial bank headquartered in Scott City, KS, established in 1902 (FDIC certificate 4769), and it is supervised by the OCC. At Q2 2026 it reported total assets of $173.8M, up 4.6% from Q2 2025, the 107th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.48% 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
- 4769
- Headquarters
- Scott City, KS
- Established
- 1902
- Total assets, Q2 2026
- $173.8M
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 14.48%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101104041
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Scott City Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- FIRST NATIONAL BANCSHARES OF SCOTT CITY, LTD
- Asset rank in state
- 107th of 182 in Kansas
The First National Bank of Scott City, based in Scott City, Kansas, reported $174 million in assets at June 30, 2026, up 4.6% from a year earlier. It holds commercial real estate loans equal to only 11% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also lost 2.1% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%).
Loans and deposits moved in opposite directions: over the year loans rose 11.1% and deposits fell 2.1%. The commercial and industrial book ($18 million) is worsening: 5.43% of it is past due or on nonaccrual, up from 1.77% a year earlier.
As of June 30, 2026, The First National Bank of Scott City reported a return on assets of 1.55%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.75%. The figures come from its call report filed with the FFIEC.
The First National Bank of Scott City ranks as the 107th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $173.8M, loans rose 6.1% and deposits fell 5.9%. Its loan book on June 30, 2026 was led by agricultural production loans, at 29.4% of total loans, followed by farmland and other real estate loans at 23.4%. The FDIC Summary of Deposits lists a single office for it, in Scott City, KS. By the capital ratios in its Q2 2026 call report, The First National Bank of Scott City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 S Main St, Scott City, KS 67871
- County
- Scott
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $140.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $87K
- Average total assets
- $170.3M
- Average total loans
- $122.5M
- Average interest-bearing deposits
- $105.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4769
- Fed RSSD
- 414652
- Website
- www.fnbscott.com →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES OF SCOTT CITY, LTD (RSSD 1066937)
- Ultimate Parent
- HOEME FAMILY PARTNERSHIP (RSSD 2260095)
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, The First National Bank of Scott City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Scott City's total assets moved between a low of $155.3M (Q3 2023) and a high of $173.8M (Q2 2026) from Q3 2023 to Q2 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
$173.8M total assets against $166.1M; $151.3M total liabilities against $146.3M.
$126.8M net loans and leases against $114.1M; $140.4M total deposits against $143.5M.
$32.9M securities against $37.9M; $3.1M cash and balances due against $3.9M.
$2.4M total interest income against $2.3M; $586K total interest expense against $634K.
$1.8M net interest income against $1.7M.
$123K total noninterest income against $121K; $979K total noninterest expense against $843K.
$100K provision for credit losses against $150K.
$661K net income against $596K.
1.55% return on assets against 1.44%; 4.45% net interest margin against 4.22%.
14.48% tier 1 leverage ratio against 13.73%.
Inside the full The First National Bank of Scott City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Scott City rankings
Its closest position to the top of a national ranking is 786 of 3,606, for efficiency ratio; its furthest is 3,142 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q4 2025) to 1.80% (Q1 2026) and its net interest margin ran from 3.93% (Q3 2024) to 4.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.48% | 1.55% | 0.33% | 1.75% | 4.45% |
| Q1 2026 | 14.05% | 1.80% | 0.40% | 2.06% | 4.37% |
| Q4 2025 | 13.94% | 0.94% | 0.47% | 2.43% | 4.39% |
| Q3 2025 | 13.97% | 1.69% | 0.67% | 3.48% | 4.36% |
| Q2 2025 | 13.73% | 1.44% | 0.49% | 2.69% | 4.22% |
| Q1 2025 | 13.80% | 1.38% | 0.52% | 2.78% | 4.06% |
| Q4 2024 | 13.73% | 1.69% | 0.49% | 2.70% | 3.95% |
| Q3 2024 | 13.60% | 1.27% | 0.43% | 2.24% | 3.93% |
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 |
|---|---|---|---|
| The First National Bank of Scott City | Scott City , KS | 67871 | $140.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 19, 2016, OCC: Formal Agreement: The First National Bank of Scott City
- Period: Most recent institution action April 19, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in KS, rank 133 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $207K approved, $52K average. 25.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The First National Bank of Scott City
What are The First National Bank of Scott City's total assets?
As of the Q2 2026 filing, The First National Bank of Scott City reported total assets of $173.8 million in its FFIEC call report.
Where is The First National Bank of Scott City headquartered?
It is headquartered in Scott City, KS, United States.
When was The First National Bank of Scott City founded?
It was established in 1902, per the FDIC institution directory.
Is The First National Bank of Scott City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Scott City?
The First National Bank of Scott City's primary federal regulator is the OCC.
How many branches does The First National Bank of Scott City 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 The First National Bank of Scott City'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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