Branch Network
Firstoak Bank Locations & Branches Independence, Kansas
BankRegReports is independent of Firstoak Bank and never asks for online banking logins or passwords.
Firstoak Bank operates 4 branches from its headquarters in Independence, KS, .
Firstoak Bank branch network
Its 4 branches span 2 states and 3 cities. The most are in KANSAS (3) and COLORADO (1). KANSAS holds 66.0% of its branch deposits. Independence, KS has the most of its branches, 2. Its largest office by deposits is its main office in Independence, KS, with $86.5M (40.8% of its branch deposits). On June 30, 2025 it had 5 branches, 1 more than in 2026.
Firstoak Bank at a glance
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.
- Total assets, Q2 2026
- $241.2M
- Tier 1 leverage ratio, Q2 2026
- 10.48%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1881
Full financial profile · Is Firstoak Bank safe? · Firstoak Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Independence, KS (2 branches) | 2 of 4 | 25.6% | $86.5M |
| State: KS (3 branches) | 134 of 231 | 0.1% | $140.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kansas.
Share by county and metro area
Firstoak Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Montgomery, KS (2 branches) | 4 of 7 | 12.4% | $86.5M | $699.4M |
| Pueblo, CO (1 branch) | 9 of 13 | 3.2% | $72.1M | $2.24B |
| Wilson, KS (1 branch) | 4 of 5 | 18.6% | $53.7M | $288.7M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Coffeyville, KS (2 branches) | 4 of 7 | 12.4% | $86.5M | $699.4M |
| Pueblo, CO (1 branch) | 9 of 13 | 3.2% | $72.1M | $2.24B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 4660) · FFIEC NIC profile (RSSD 916857)