First National Bank in Fredonia is a national bank headquartered in Fredonia, Kansas, in business for about 155 years. At the end of Q2 2026 it reported $104.4M in total assets and $92.5M in deposits, with 1 office.
Based on its Q2 2026 filing, First National Bank in Fredonia scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 25th. Its strongest component is capital cushion (100/100; 16.73%), and its lowest is earnings (76/100; 1.41%).
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 (86 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 87 |
| Q4 2024 | 85 |
| Q1 2025 | 87 |
| Q2 2025 | 86 |
| Q3 2025 | 89 |
| Q4 2025 | 82 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.27% |
| Q3 2024 | 16.71% |
| Q4 2024 | 16.38% |
| Q1 2025 | 18.04% |
| Q2 2025 | 16.79% |
| Q3 2025 | 16.86% |
| Q4 2025 | 16.53% |
| Q1 2026 | 16.52% |
| Q2 2026 | 16.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.43% |
| Q4 2025 | 1.02% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $104.4M | 16.73% | 0.63% | 1.41% | 31.8% |
| Q1 2026 | 86 | $101.3M | 16.52% | 0.75% | 1.35% | 33.4% |
| Q4 2025 | 82 | $105.4M | 16.53% | 1.02% | 1.25% | 31.9% |
| Q3 2025 | 89 | $99.2M | 16.86% | 0.43% | 1.41% | 32.8% |
| Q2 2025 | 86 | $97.7M | 16.79% | 0.69% | 1.37% | 33.2% |
| Q1 2025 | 87 | $97.7M | 18.04% | 0.63% | 1.35% | 33.7% |
| Q4 2024 | 85 | $98.6M | 16.38% | 0.62% | 1.15% | 34.1% |
| Q3 2024 | 87 | $99.8M | 16.71% | 0.63% | 1.34% | 35.8% |
| Q2 2024 | 85 | $96.5M | 18.27% | 0.79% | 1.31% | 36.3% |
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 |
|---|---|---|---|---|---|
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| Citizens State Bank and Trust CompanyBank Hiawatha, KS | 95 out of 100, Very strong | $103.6M | 18.3% | 0.21% | vs |
| First National Bank of KansasBank Burlington, KS | 67 out of 100, Moderate | $105.6M | 9.1% | 0.14% | vs |
| The Kansas State Bank Overbrook KansasBank Overbrook, KS | 82 out of 100, Strong | $101.2M | 13.2% | 0.70% | vs |
| The First State Bank of HealyBank Healy, KS | 82 out of 100, Strong | $108.8M | 16.8% | 0.89% | vs |
| First Federal Savings and Loan BankBank Olathe, KS | 74 out of 100, Strong | $109.5M | 12.3% | 1.28% | vs |
Deposit insurance
Is my money safe at First National Bank in Fredonia?
Yes. First National Bank in Fredonia is an FDIC-insured institution (FDIC certificate #13798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.3% of deposits ($29.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.73%, 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%).
1 location
Branches
First National Bank in Fredonia lists 1 office in 1 city. Most locations:
- Fredonia, KS (1)
Identity & history
Profile
- Legal name
- First National Bank in Fredonia
- Former names
- The Wilson County Bank
- Type
- National bank
- FDIC certificate #
- 13798
- RSSD ID
- 844455
- Primary regulator
- OCC
- Holding company
- First Natl Bancshares Fredonia
- Established
- September 16, 1871
- Headquarters
- 730 Madison St, Fredonia, KS 66736
- Website
- www.fnbfredonia.com
- Employees
- 15
Quick answers
First National Bank in Fredonia: common questions
Is First National Bank in Fredonia FDIC insured?
Yes. First National Bank in Fredonia is an FDIC-insured institution (FDIC certificate #13798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank in Fredonia's TellerScore?
87 out of 100 (Very 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 Fredonia ever failed?
There is no failure record for FDIC certificate #13798 in the FDIC failed bank list.
How many branches does First National Bank in Fredonia have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fredonia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples State BankBank Cherryvale, KS | 89 out of 100, Very strong | $23.5M | 19.8% | 0.33% | vs |
| Home Savings BankBank Chanute, KS | 86 out of 100, Very strong | $115.1M | 16.7% | 0.12% | vs |
| FirstOak BankBank Independence, KS | 75 out of 100, Strong | $241.2M | 10.5% | 0.00% | vs |
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |
| Emprise BankBank Wichita, KS | 66 out of 100, Moderate | $2.8B | 7.7% | 0.37% | vs |
| Community National Bank & TrustBank Chanute, KS | 65 out of 100, Moderate | $2.5B | 9.0% | 0.80% | vs |