Firstoak Bank
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Data as of · sourced from FFIEC call reports. How we update
Firstoak Bank is an FDIC-insured commercial bank headquartered in Independence, KS, established in 1881 (FDIC certificate 4660), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $241.2M, down 2.0% from Q2 2025, the 81st largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.48% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4660
- Headquarters
- Independence, KS
- Established
- 1881
- Total assets, Q2 2026
- $241.2M
- Assets vs Q2 2025
- -2.0%
- Tier 1 leverage ratio, Q2 2026
- 10.48%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101108209
- Holding company
- FNB BANCSHARES, INC.
- Asset rank in state
- 81st of 182 in Kansas
Firstoak Bank earns an unusually wide margin on its lending. Based in Independence, Kansas, it had $241 million in assets at June 30, 2026, down 2.0% from a year earlier. It keeps 5.12 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $783,000 was 36% below a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Firstoak Bank reported a return on assets of 1.29%, 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.
Of the 182 banks headquartered in Kansas, Firstoak Bank is the 81st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $241.2M, loans fell 1.2% and deposits fell 2.2%. 1-4 family residential loans made up 40.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.7%. The FDIC Summary of Deposits lists 4 offices for it, in Independence, KS, Pueblo, CO and Fredonia, KS; its Independence 2 offices book 41% of its branch deposits. Judged on its Q2 2026 call report, Firstoak Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 113 N Penn Ave, Independence, KS 67301
- County
- Montgomery
- 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, 1881
- Former names
- FirstBank of Independence (2013); First National Bank, Independence, Kansas (1984-2013)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $212.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $243.5M
- Average total loans
- $188.6M
- Average interest-bearing deposits
- $132.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4660
- Fed RSSD
- 916857
- Website
- www.firstoakbank.com →
- Parent Holding Company
- FNB BANCSHARES, INC. (RSSD 4328083)
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, Firstoak Bank 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, Firstoak Bank's total assets ran between $232.2M (Q3 2024) and $246.2M (Q2 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
$241.2M total assets against $246.2M; $214.7M total liabilities against $220.9M.
$185.2M net loans and leases against $189.3M; $212.3M total deposits against $218.6M.
$21.0M securities against $18.8M; $20.1M cash and balances due against $23.4M.
$3.7M total interest income against $3.8M; $747K total interest expense against $831K.
$2.9M net interest income against $2.9M.
$142K total noninterest income against $199K; $2.2M total noninterest expense against $1.8M.
$30K provision for credit losses against $30K.
$783K net income against $1.2M.
1.29% return on assets against 2.02%; 5.12% net interest margin against 5.13%.
10.48% tier 1 leverage ratio against 10.11%.
Inside the full Firstoak Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirstoak Bank rankings
Its closest position to the top of a national ranking is 1,791 of 3,611, for ROA; its furthest is 3,511 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.29% (Q2 2026) to 2.02% (Q2 2025) and its net interest margin ran from 4.87% (Q1 2025) to 5.31% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.48% | 1.29% | 0.00% | 0.00% | 5.12% |
| Q1 2026 | 10.12% | 1.38% | 0.00% | 0.00% | 5.11% |
| Q4 2025 | 10.13% | 1.50% | 0.00% | 0.00% | 5.31% |
| Q3 2025 | 9.98% | 1.86% | 0.00% | 0.00% | 5.26% |
| Q2 2025 | 10.11% | 2.02% | 0.00% | 0.00% | 5.13% |
| Q1 2025 | 10.06% | 1.77% | 0.00% | 0.00% | 4.87% |
| Q4 2024 | 10.12% | 1.65% | 0.00% | 0.00% | 4.99% |
| Q3 2024 | 9.90% | 1.97% | 0.00% | 0.00% | 4.96% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 |
|---|---|---|---|
| Firstoak Bank (main office) | Independence , KS | 67301 | $86.5M |
| Firstoak Bank-Pueblo Branch | Pueblo , CO | 81008 | $72.1M |
| Fredonia Branch | Fredonia , KS | 66736 | $53.7M |
| Drive-Thru Branch | Independence , KS | 67301 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 4, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 4, 2018 | Structure Change | Acquired The State Bank of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 134 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 37 loans originated, $9.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $294K approved, $294K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Firstoak Bank
What are Firstoak Bank's total assets?
As of the Q2 2026 filing, Firstoak Bank reported total assets of $241.2 million in its FFIEC call report.
Where is Firstoak Bank headquartered?
It is headquartered in Independence, KS, United States.
When was Firstoak Bank founded?
It was established in 1881, per the FDIC institution directory.
Is Firstoak Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Firstoak Bank?
Firstoak Bank's primary federal regulator is the Federal Reserve.
How many branches does Firstoak Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Firstoak 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.
What was Firstoak Bank previously called?
The charter now named Firstoak Bank has also operated as FirstBank of Independence (2013), First National Bank, Independence, Kansas (1984-2013), per FDIC structure-change records.
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