The First State Bank (Ness City, KS)
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Data as of · sourced from FFIEC call reports. How we update
The First State Bank is an FDIC-insured commercial bank headquartered in Ness City, KS, established in 1916 (FDIC certificate 10503), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $84.3M, up 4.0% from Q2 2025, the 147th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 21.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10503
- Headquarters
- Ness City, KS
- Established
- 1916
- Total assets, Q2 2026
- $84.3M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 21.34%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101112318
- Holding company
- BEUTLER, INC.
- Asset rank in state
- 147th of 182 in Kansas
The First State Bank, based in Ness City, Kansas, reported $84 million in assets at June 30, 2026, up 4.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.0 million equal 30% of Tier 1 capital, down from 41% a year earlier. Loans are outrunning deposits: over the year loans rose 8.3% and deposits rose 2.2%.
As of June 30, 2026, The First State Bank reported a CET1 capital ratio of 21.34%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First State Bank is the 147th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $84.3M, loans rose 10.9% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 39.7% of total loans, ahead of agricultural production loans at 36.4%. The FDIC Summary of Deposits lists a single office for it, in Ness City, KS. By the capital ratios in its Q2 2026 call report, The First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 N Pennsylvania Ave, Ness City, KS 67560
- County
- Ness
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- 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
- January 1, 1916
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $74.1M
- Allowance for credit losses
- $887K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $88.8M
- Average total loans
- $36.2M
- Average interest-bearing deposits
- $58.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10503
- Fed RSSD
- 275657
- Website
- http://www.fsbnesscity.com →
- Parent Holding Company
- BEUTLER, INC. (RSSD 1059591)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First State Bank's total assets ranged from $71.0M (Q3 2023) to $85.8M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$84.3M total assets against $81.0M; $74.5M total liabilities against $73.0M.
$36.7M net loans and leases against $33.8M; $74.1M total deposits against $72.5M.
$39.1M securities against $42.1M; $5.7M cash and balances due against $2.2M.
$900K total interest income against $891K; $282K total interest expense against $327K.
$618K net interest income against $564K.
$78K total noninterest income against $35K; $445K total noninterest expense against $387K.
$6K provision for credit losses against $6K.
$235K net income against $197K.
1.06% return on assets against 0.90%; 3.05% net interest margin against 2.83%.
21.34% CET1 capital ratio against 21.41%; 15.27% tier 1 leverage ratio against 15.10%.
Inside the full The First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.05% (Q4 2024) to 1.33% (Q1 2026) and its net interest margin ran from 2.63% (Q3 2025) to 3.05% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.34% | 1.06% | 0.00% | 0.00% | 3.05% |
| Q1 2026 | 22.05% | 1.33% | 0.00% | 0.00% | 2.88% |
| Q4 2025 | 21.90% | -0.05% | 0.00% | 0.00% | 2.74% |
| Q3 2025 | 22.47% | 0.62% | 0.00% | 0.00% | 2.63% |
| Q2 2025 | 21.41% | 0.90% | 0.00% | 0.00% | 2.83% |
| Q1 2025 | 22.10% | 0.93% | 1.31% | 5.10% | 2.74% |
| Q4 2024 | 21.97% | -0.05% | 0.00% | 0.00% | 2.66% |
| Q3 2024 | 22.44% | 0.79% | 0.23% | 0.78% | 2.70% |
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 | Ness City , KS | 67560 | $74.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 174 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (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
What are The First State Bank's total assets?
As of the Q2 2026 filing, The First State Bank reported total assets of $84.3 million in its FFIEC call report.
Where is The First State Bank headquartered?
It is headquartered in Ness City, KS, United States.
When was The First State Bank founded?
It was established in 1916, per the FDIC institution directory.
Is The First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10503). 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?
The First State Bank's primary federal regulator is the Federal Reserve.
What is The First State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First State Bank 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's Texas Ratio?
Its Texas Ratio is 0.00% 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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