FNB Bank (Goodland, KS)
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Data as of · sourced from FFIEC call reports. How we update
FNB Bank is an FDIC-insured commercial bank headquartered in Goodland, KS, established in 1886 (FDIC certificate 14420), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $270.3M, up 3.8% from Q2 2025, the 77th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14420
- Headquarters
- Goodland, KS
- Established
- 1886
- Total assets, Q2 2026
- $270.3M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 14.21%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101102548
- Latest call report
- Q2 2026, FFIEC 041 · FNB Bank call report
- Holding company
- FIRST NATIONAL BANCSHARES, INC.
- Asset rank in state
- 77th of 182 in Kansas
Problem loans are rising at FNB Bank. It reported $270 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.92% of loans from 2.78% a year earlier. It carries problem assets equal to 26.1% of the capital and reserves that would absorb them, 9.9 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $933,000, 83% above the same quarter a year earlier. Over the same year, loans shrank 4.3% and deposits grew 11.2%. Costs are the weak spot: it spends about 72 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, FNB Bank reported a CET1 capital ratio of 14.21%, a return on assets of 1.32%, a nonperforming-loan ratio of 4.03% and a Texas ratio of 26.15%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, FNB Bank is the 77th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.7% to $270.3M, loans fell 2.8% and deposits fell 7.1%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 38.6% of total loans, followed by agricultural production loans at 21.9%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 2 states; its Goodland office books 37% of its branch deposits. On its Q2 2026 call report, FNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 E 11th St, Goodland, KS 67735
- County
- Sherman
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1886
- Former names
- First National Bank (1991-2018)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $235.0M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $58K
- Average total assets
- $282.9M
- Average total loans
- $181.7M
- Average interest-bearing deposits
- $192.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 24, 1934
- FDIC Cert
- 14420
- Fed RSSD
- 805250
- Website
- www.fnb.com →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES, INC. (RSSD 1065378)
- Ultimate Parent
- RSSD 2267731
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
FNB Bank's total assets moved between a low of $247.7M (Q1 2024) and a high of $286.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$270.3M total assets against $260.3M; $246.5M total liabilities against $237.3M.
$177.4M net loans and leases against $186.4M; $235.0M total deposits against $211.2M.
$70.6M securities against $55.2M; $11.1M cash and balances due against $6.8M.
$3.8M total interest income against $3.6M; $876K total interest expense against $907K.
$3.0M net interest income against $2.7M.
$218K total noninterest income against $196K; $2.3M total noninterest expense against $2.2M.
$0 provision for credit losses against $176K.
$933K net income against $509K.
1.32% return on assets against 0.78%; 4.33% net interest margin against 4.29%.
14.21% CET1 capital ratio against 13.70%; 10.21% tier 1 leverage ratio against 10.99%.
Inside the full FNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
FNB Bank rankings
Its closest position to the top of a national ranking is 90 of 3,640, for Texas Ratio; its furthest is 2,892 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.07% (Q4 2025) to 1.50% (Q4 2024) and its net interest margin ran from 3.95% (Q3 2024) to 4.53% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.21% | 1.32% | 4.03% | 26.15% | 4.33% |
| Q1 2026 | 13.36% | 1.20% | 5.25% | 36.15% | 4.53% |
| Q4 2025 | 12.45% | -0.07% | 6.11% | 44.34% | 4.17% |
| Q3 2025 | 14.05% | 1.15% | 3.76% | 25.04% | 4.25% |
| Q2 2025 | 13.70% | 0.78% | 2.89% | 20.45% | 4.29% |
| Q1 2025 | 14.28% | 1.15% | 3.08% | 21.41% | 4.23% |
| Q4 2024 | 13.86% | 1.50% | 2.86% | 21.84% | 4.49% |
| Q3 2024 | 14.55% | 0.86% | 3.82% | 25.97% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| FNB Bank (main office) | Goodland , KS | 67735 | $86.2M |
| Bennett Branch | Bennett , CO | 80102 | $52.3M |
| St. Francis Branch | St. Francis , KS | 67756 | $50.9M |
| Oberlin Branch | Oberlin , KS | 67749 | $29.5M |
| Kirk Branch | Kirk , CO | 80824 | $16.0M |
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 |
|---|---|---|---|
| March 22, 2002 | Structure Change | Acquired The Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 21, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Structure Change | Acquired The Kirk State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 1998 | Structure Change | Acquired The First National Bank of Quinter Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 1994 | Structure Change | Acquired The Cheyenne County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 1991 | Structure Change | Acquired The Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 25, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 117 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6 applications, 4 loans originated, $800K originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.0M approved, $252K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 FNB Bank
What are FNB Bank's total assets?
As of the Q2 2026 filing, FNB Bank reported total assets of $270.3 million in its FFIEC call report.
Where is FNB Bank headquartered?
It is headquartered in Goodland, KS, United States.
When was FNB Bank founded?
It was established in 1886, per the FDIC institution directory.
Is FNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Bank?
FNB Bank's primary federal regulator is the FDIC.
What is FNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FNB Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Bank's Texas Ratio?
Its Texas Ratio is 26.15% 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 FNB Bank previously called?
The charter now named FNB Bank has also operated as First National Bank (1991-2018), per FDIC structure-change records.
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