First Bank (FDIC certificate #16473) is based in Sterling, Kansas. Its Q2 2026 call report shows $162.4M in total assets and $124.3M in deposits and 3 offices.
First Bank has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 181st. Capital cushion contributes the most (74/100, 12.41%); loan quality contributes the least (0/100, 7.82%).
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 fell 30 points (75 → 45), mostly because the loan quality component weakened by 91 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 74 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 75 |
| Q3 2025 | 79 |
| Q4 2025 | 46 |
| Q1 2026 | 49 |
| Q2 2026 | 45 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.01% |
| Q3 2024 | 12.52% |
| Q4 2024 | 12.80% |
| Q1 2025 | 12.58% |
| Q2 2025 | 12.39% |
| Q3 2025 | 12.82% |
| Q4 2025 | 12.65% |
| Q1 2026 | 12.58% |
| Q2 2026 | 12.41% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.24% |
| Q4 2025 | 5.58% |
| Q1 2026 | 5.86% |
| Q2 2026 | 7.82% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.92% |
| Q3 2025 | 1.08% |
| Q4 2025 | 0.71% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $162.4M | 12.41% | 7.82% | 1.06% | 90.3% |
| Q1 2026 | 49 | $156.5M | 12.58% | 5.86% | 1.01% | 85.3% |
| Q4 2025 | 46 | $152.0M | 12.65% | 5.58% | 0.71% | 87.8% |
| Q3 2025 | 79 | $157.4M | 12.82% | 0.24% | 1.08% | 76.4% |
| Q2 2025 | 75 | $157.1M | 12.39% | 0.26% | 0.92% | 80.8% |
| Q1 2025 | 76 | $158.4M | 12.58% | 0.25% | 0.92% | 82.8% |
| Q4 2024 | 75 | $151.5M | 12.80% | 0.33% | 0.74% | 81.7% |
| Q3 2024 | 74 | $155.3M | 12.52% | 0.24% | 0.52% | 77.1% |
| Q2 2024 | 72 | $146.1M | 13.01% | 0.38% | 0.31% | 77.7% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Farmers Bank & TrustBank Atwood, KS | 73 out of 100, Strong | $159.0M | 10.6% | 0.75% | vs |
| Impact BankBank Wellington, KS | 80 out of 100, Strong | $167.2M | 10.6% | 0.03% | vs |
| American Bank of Baxter SpringsBank Baxter Springs, KS | 72 out of 100, Strong | $170.2M | 10.0% | 0.00% | vs |
| The Bank of ProtectionBank Protection, KS | 81 out of 100, Strong | $154.4M | 11.8% | 0.01% | vs |
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| The Community BankBank Liberal, KS | 85 out of 100, Very strong | $173.5M | 12.8% | 0.04% | vs |
Deposit insurance
Is my money safe at First Bank?
Yes. First Bank is an FDIC-insured institution (FDIC certificate #16473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($30.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
First Bank lists 3 offices in 3 cities. Most locations:
- Chase, KS (1)
- Lyons, KS (1)
- Sterling, KS (1)
Identity & history
Profile
- Legal name
- First Bank
- Former names
- The Farmers State Bank in Sterling
- Type
- State-chartered bank
- FDIC certificate #
- 16473
- RSSD ID
- 49652
- Primary regulator
- FDIC
- Holding company
- Coronado Inc
- Established
- January 1, 1907
- Headquarters
- 128 S Broadway Ave, Sterling, KS 67579
- Website
- www.first-bank.net
- Employees
- 23
Quick answers
First Bank: common questions
Is First Bank FDIC insured?
Yes. First Bank is an FDIC-insured institution (FDIC certificate #16473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank ever failed?
There is no failure record for FDIC certificate #16473 in the FDIC failed bank list.
How many branches does First Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sterling
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dillon Credit UnionCredit union Hutchinson, KS | 82 out of 100, Strong | $79.8M | 14.0% | 1.11% | vs |
| Union Federal Credit UnionCredit union Farmerville, LA | 80 out of 100, Strong | $611K | 21.2% | 0.00% | vs |
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| Lyons Federal BankBank Lyons, KS | 78 out of 100, Strong | $197.6M | 12.7% | 0.23% | vs |
| The First National Bank of HutchinsonBank Hutchinson, KS | 78 out of 100, Strong | $1.2B | 11.5% | 0.33% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |