First National Bank and Trust is a national bank headquartered in Phillipsburg, Kansas, in business for about 142 years. At the end of Q2 2026 it reported $322.2M in total assets and $259.5M in deposits, with 6 offices.
Based on its Q2 2026 filing, First National Bank and Trust scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 114th. Its strongest component is capital cushion (97/100; 14.73%), and its lowest is loan quality (38/100; 1.87%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 74 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 73 |
| Q3 2025 | 69 |
| Q4 2025 | 66 |
| Q1 2026 | 64 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.06% |
| Q3 2024 | 14.01% |
| Q4 2024 | 14.15% |
| Q1 2025 | 14.52% |
| Q2 2025 | 14.73% |
| Q3 2025 | 14.97% |
| Q4 2025 | 14.72% |
| Q1 2026 | 14.65% |
| Q2 2026 | 14.73% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.87% |
| Q1 2025 | 2.56% |
| Q2 2025 | 2.18% |
| Q3 2025 | 2.43% |
| Q4 2025 | 2.59% |
| Q1 2026 | 3.57% |
| Q2 2026 | 1.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.92% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $322.2M | 14.73% | 1.87% | 1.37% | 85.5% |
| Q1 2026 | 64 | $319.3M | 14.65% | 3.57% | 1.77% | 81.5% |
| Q4 2025 | 66 | $323.8M | 14.72% | 2.59% | 1.47% | 79.5% |
| Q3 2025 | 69 | $305.3M | 14.97% | 2.43% | 1.54% | 81.2% |
| Q2 2025 | 73 | $301.7M | 14.73% | 2.18% | 1.74% | 81.2% |
| Q1 2025 | 71 | $300.4M | 14.52% | 2.56% | 1.92% | 78.4% |
| Q4 2024 | 70 | $300.3M | 14.15% | 1.87% | 1.29% | 84.0% |
| Q3 2024 | 74 | $304.7M | 14.01% | 1.32% | 1.22% | 88.3% |
| Q2 2024 | 73 | $298.4M | 14.06% | 1.38% | 1.10% | 83.4% |
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 |
|---|---|---|---|---|---|
| KCB BankBank Lakin, KS | 73 out of 100, Strong | $322.3M | 12.6% | 1.15% | vs |
| Heritage BankBank Topeka, KS | 64 out of 100, Moderate | $324.9M | 9.9% | 1.28% | vs |
| Centera BankBank Sublette, KS | 78 out of 100, Strong | $318.1M | 9.6% | 0.01% | vs |
| Stryv BankBank Wichita, KS | 62 out of 100, Moderate | $333.3M | 8.9% | 0.00% | vs |
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| Kaw Valley BankBank Topeka, KS | 80 out of 100, Strong | $339.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at First National Bank and Trust?
Yes. First National Bank and Trust is an FDIC-insured institution (FDIC certificate #4756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($63.5M) 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 14.73%, 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%).
6 locations
Branches
First National Bank and Trust lists 5 offices in 5 cities. Most locations:
- Beloit, KS (1)
- Logan, KS (1)
- Long Island, KS (1)
- Phillipsburg, KS (1)
- Smith Center, KS (1)
Identity & history
Profile
- Legal name
- First National Bank and Trust
- Former names
- The First National Bank of Phillipsburg
- Type
- National bank
- FDIC certificate #
- 4756
- RSSD ID
- 183958
- Primary regulator
- OCC
- Holding company
- Golden Plains Bankshares Inc
- Established
- January 1, 1884
- Headquarters
- 225 State St, Phillipsburg, KS 67661
- Website
- www.agbank.bank
- Employees
- 58
Quick answers
First National Bank and Trust: common questions
Is First National Bank and Trust FDIC insured?
Yes. First National Bank and Trust is an FDIC-insured institution (FDIC certificate #4756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank and Trust's TellerScore?
72 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 First National Bank and Trust ever failed?
There is no failure record for FDIC certificate #4756 in the FDIC failed bank list.
How many branches does First National Bank and Trust have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Phillipsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Farmers State BankBank Phillipsburg, KS | 69 out of 100, Moderate | $42.8M | 11.7% | 1.32% | vs |