First National Bank in Frankfort is a national bank headquartered in Frankfort, Kansas, in business for about 105 years. At the end of Q2 2026 it reported $61.6M in total assets and $55.4M in deposits, with 1 office.
Based on its Q2 2026 filing, First National Bank in Frankfort scores 72/100, which we describe as strong. That is higher than only 45% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 120th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 12% uninsured), and its lowest is earnings (49/100; 0.74%).
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 3 points (69 → 72), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 66 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 68 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.91% |
| Q3 2024 | 10.76% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.58% |
| Q2 2025 | 10.98% |
| Q3 2025 | 10.70% |
| Q4 2025 | 10.49% |
| Q1 2026 | 10.57% |
| Q2 2026 | 10.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.52% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $61.6M | 10.76% | 0.52% | 0.74% | 55.4% |
| Q1 2026 | 72 | $61.7M | 10.57% | 0.58% | 0.79% | 52.1% |
| Q4 2025 | 68 | $61.6M | 10.49% | 0.76% | 0.62% | 54.2% |
| Q3 2025 | 70 | $60.7M | 10.70% | 0.64% | 0.61% | 57.0% |
| Q2 2025 | 69 | $59.1M | 10.98% | 0.75% | 0.60% | 52.6% |
| Q1 2025 | 66 | $59.5M | 10.58% | 0.89% | 0.58% | 50.2% |
| Q4 2024 | 66 | $59.5M | 10.57% | 0.88% | 0.49% | 50.2% |
| Q3 2024 | 66 | $57.5M | 10.76% | 0.96% | 0.48% | 52.2% |
| Q2 2024 | 65 | $57.0M | 10.91% | 1.08% | 0.52% | 49.8% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| The First National Bank of SpearvilleBank Spearville, KS | 56 out of 100, Moderate | $62.1M | 11.8% | 4.06% | vs |
| Elevate Bank, National AssociationBank Sedan, KS | 67 out of 100, Moderate | $61.0M | 11.2% | 0.69% | vs |
| The Farmers State Bank of Bucklin, KansasBank Bucklin, KS | 88 out of 100, Very strong | $60.8M | 12.9% | 0.00% | vs |
| Ford County State BankBank Spearville, KS | 75 out of 100, Strong | $58.4M | 11.2% | 0.44% | vs |
| Farmers and Merchants Bank of Mound City, KansasBank Mound City, KS | 64 out of 100, Moderate | $65.0M | 6.1% | 0.12% | vs |
| The City State BankBank Fort Scott, KS | 77 out of 100, Strong | $57.7M | 8.9% | 0.00% | vs |
Deposit insurance
Is my money safe at First National Bank in Frankfort?
Yes. First National Bank in Frankfort is an FDIC-insured institution (FDIC certificate #4668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.5% of deposits ($6.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.76%, 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%).
1 location
Branches
First National Bank in Frankfort lists 1 office in 1 city. Most locations:
- Frankfort, KS (1)
Identity & history
Profile
- Legal name
- First National Bank in Frankfort
- Type
- National bank
- FDIC certificate #
- 4668
- RSSD ID
- 923350
- Primary regulator
- OCC
- Holding company
- First Frankfort Bancshares Inc
- Established
- March 2, 1921
- Headquarters
- 124 N Kansas Ave, Frankfort, KS 66427
- Website
- www.fnbfrankfortks.com
- Employees
- 8
Quick answers
First National Bank in Frankfort: common questions
Is First National Bank in Frankfort FDIC insured?
Yes. First National Bank in Frankfort is an FDIC-insured institution (FDIC certificate #4668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank in Frankfort'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 in Frankfort ever failed?
There is no failure record for FDIC certificate #4668 in the FDIC failed bank list.
How many branches does First National Bank in Frankfort have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Frankfort
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of BernBank Bern, KS | 95 out of 100, Very strong | $128.2M | 17.3% | 0.00% | vs |
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| First Commerce BankBank Marysville, KS | 79 out of 100, Strong | $138.5M | 11.8% | 0.26% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| Western National BankBank Chester, NE | 74 out of 100, Strong | $257.4M | 9.1% | 0.02% | vs |