The First State Bank of Healy
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Data as of · sourced from FFIEC call reports. How we update
The First State Bank of Healy is an FDIC-insured commercial bank headquartered in Healy, KS, established in 1906 (FDIC certificate 17661), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $108.8M, down 8.4% from Q2 2025, the 131st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17661
- Headquarters
- Healy, KS
- Established
- 1906
- Total assets, Q2 2026
- $108.8M
- Assets vs Q2 2025
- -8.4%
- Tier 1 leverage ratio, Q2 2026
- 16.77%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101108649
- Latest call report
- Q2 2026, FFIEC 051 · The First State Bank of Healy call report
- Holding company
- WEST 4 BANCSHARES, INC.
- Asset rank in state
- 131st of 182 in Kansas
Problem loans are rising at The First State Bank of Healy. The Healy, Kansas bank had $109 million in assets at June 30, 2026, down 8.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.44% a year earlier. It funds 16.77% 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 shrank its loan book 13.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The balance sheet shrank over the year: over the year loans fell 13.9% and deposits fell 8.2%. Its $12 million commercial and industrial book is now fully current, after 0.67% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.29 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, The First State Bank of Healy reported a return on assets of 1.53%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 3.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First State Bank of Healy is the 131st largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 3.9% to $108.8M, loans rose 4.8% and deposits fell 6.7%. Farmland and other real estate loans made up 35.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 32.6%. Its one office in the FDIC Summary of Deposits is in Healy, KS. Judged on its Q2 2026 call report, The First State Bank of Healy meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4004 W Highway 4, Healy, KS 67850
- County
- Lane
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 10, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $86.5M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $111.3M
- Average total loans
- $64.8M
- Average interest-bearing deposits
- $78.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 1956
- FDIC Cert
- 17661
- Fed RSSD
- 864855
- Website
- www.fsbhealy.com →
- Parent Holding Company
- WEST 4 BANCSHARES, INC. (RSSD 5947294)
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 State Bank of Healy reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First State Bank of Healy's total assets ran between $102.6M (Q3 2023) and $119.5M (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
$108.8M total assets against $118.8M; $92.6M total liabilities against $104.9M.
$65.2M net loans and leases against $75.9M; $86.5M total deposits against $94.2M.
$35.9M securities against $33.8M; $646K cash and balances due against $1.7M.
$1.4M total interest income against $1.5M; $547K total interest expense against $706K.
$849K net interest income against $802K.
$42K total noninterest income against $40K; $493K total noninterest expense against $447K.
No provision recorded in the last 12 quarters.
$427K net income against $393K.
1.53% return on assets against 1.32%; 3.29% net interest margin against 2.97%.
16.77% tier 1 leverage ratio against 14.92%.
Inside the full The First State Bank of Healy terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First State Bank of Healy rankings
Its closest position to the top of a national ranking is 1,021 of 3,606, for efficiency ratio; its furthest is 3,600 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q4 2024) to 1.53% (Q2 2026) and its net interest margin ran from 2.59% (Q4 2024) to 3.29% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.77% | 1.53% | 0.89% | 3.93% | 3.29% |
| Q1 2026 | 16.24% | 1.23% | 0.95% | 4.04% | 3.06% |
| Q4 2025 | 15.83% | 1.18% | 0.34% | 1.42% | 3.02% |
| Q3 2025 | 15.48% | 1.19% | 0.45% | 1.99% | 2.84% |
| Q2 2025 | 14.92% | 1.32% | 0.44% | 2.24% | 2.97% |
| Q1 2025 | 15.03% | 1.27% | 0.53% | 2.61% | 2.82% |
| Q4 2024 | 14.66% | 1.08% | 0.36% | 1.81% | 2.59% |
| Q3 2024 | 14.61% | 1.10% | 0.40% | 1.82% | 2.66% |
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 State Bank of Healy | Healy , KS | 67850 | $86.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 163 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $179K approved, $179K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 The First State Bank of Healy
What are The First State Bank of Healy's total assets?
As of the Q2 2026 filing, The First State Bank of Healy reported total assets of $108.8 million in its FFIEC call report.
Where is The First State Bank of Healy headquartered?
It is headquartered in Healy, KS, United States.
When was The First State Bank of Healy founded?
It was established in 1906, per the FDIC institution directory.
Is The First State Bank of Healy FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First State Bank of Healy?
The First State Bank of Healy's primary federal regulator is the FDIC.
How many branches does The First State Bank of Healy 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 State Bank of Healy's Texas Ratio?
Its Texas Ratio is 3.93% 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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