CoreFirst Bank & Trust is a state-chartered bank headquartered in Topeka, Kansas, in business for about 67 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in deposits, with 13 offices across 2 states.
Based on its Q2 2026 filing, CoreFirst Bank & Trust scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 122nd. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is capital cushion (37/100; 8.66%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (65 → 71), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 61 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 66 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.31% |
| Q3 2024 | 8.45% |
| Q4 2024 | 8.33% |
| Q1 2025 | 8.44% |
| Q2 2025 | 8.53% |
| Q3 2025 | 8.65% |
| Q4 2025 | 8.43% |
| Q1 2026 | 8.42% |
| Q2 2026 | 8.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.21% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.3B | 8.66% | 0.21% | 1.55% | 83.0% |
| Q1 2026 | 70 | $1.3B | 8.42% | 0.22% | 1.46% | 81.0% |
| Q4 2025 | 66 | $1.3B | 8.43% | 0.44% | 1.30% | 81.8% |
| Q3 2025 | 68 | $1.3B | 8.65% | 0.29% | 1.28% | 82.5% |
| Q2 2025 | 65 | $1.2B | 8.53% | 0.32% | 1.01% | 80.5% |
| Q1 2025 | 64 | $1.2B | 8.44% | 0.35% | 0.96% | 76.9% |
| Q4 2024 | 61 | $1.2B | 8.33% | 0.42% | 0.76% | 79.6% |
| Q3 2024 | 59 | $1.3B | 8.45% | 0.68% | 0.79% | 77.9% |
| Q2 2024 | 57 | $1.2B | 8.31% | 0.82% | 0.70% | 79.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nbkc BankBank Leawood, KS | 82 out of 100, Strong | $1.2B | 17.1% | 1.45% | vs |
| The First National Bank of HutchinsonBank Hutchinson, KS | 78 out of 100, Strong | $1.2B | 11.5% | 0.33% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Bank of LaborBank Overland Park, KS | 41 out of 100, Below average | $1.1B | 8.0% | 3.15% | vs |
| The Bennington State BankBank Salina, KS | 75 out of 100, Strong | $1.4B | 9.5% | 0.29% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
Deposit insurance
Is my money safe at CoreFirst Bank & Trust?
Yes. CoreFirst Bank & Trust is an FDIC-insured institution (FDIC certificate #18100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.3% of deposits ($226.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.81% (benchmark: 10%).
13 locations
Branches
CoreFirst Bank & Trust lists 11 offices in 3 cities across 2 states. Most locations:
- Topeka, KS (9)
- Englewood, CO (1)
- Lenexa, KS (1)
HMDA 2025
Mortgage lending
In 2025, CoreFirst Bank & Trust reported 418 home-loan applications under HMDA (LEI 5493009SXBJ8LKIU7Q54): 289 originated ($65,475,000 total), 77 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- CoreFirst Bank & Trust
- Former names
- Commerce State Bank and Trust Company; Commerce Bank and Trust; Commerce State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18100
- RSSD ID
- 361055
- Primary regulator
- FDIC
- Holding company
- Commerce B&t Holding Employee Stk Ownership Plan
- Established
- November 30, 1959
- Headquarters
- 3035 Sw Topeka Blvd, Topeka, KS 66611
- Website
- www.cbtks.com
- Employees
- 227
Quick answers
CoreFirst Bank & Trust: common questions
Is CoreFirst Bank & Trust FDIC insured?
Yes. CoreFirst Bank & Trust is an FDIC-insured institution (FDIC certificate #18100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CoreFirst Bank & Trust's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has CoreFirst Bank & Trust ever failed?
There is no failure record for FDIC certificate #18100 in the FDIC failed bank list.
How many branches does CoreFirst Bank & Trust have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Topeka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Empower Blue Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $55.1M | 18.1% | 0.10% | vs |
| Topeka Police Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $6.3M | 15.7% | 0.05% | vs |
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| 1st Kansas Credit UnionCredit union Topeka, KS | 86 out of 100, Very strong | $12.2M | 19.9% | 0.41% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |