TellerScore

Headquartered in Tonganoxie, Kansas, First State Bank and Trust is a state-chartered bank with $514.9M in total assets and $457.6M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1934.

First State Bank and Trust has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 146th. Loan quality contributes the most (84/100, 0.48%); capital cushion contributes the least (36/100, 8.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.64%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 72.7% · 20.3% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.01%

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 10 points (56 → 66), mostly because the loan quality component improved by 21 points.

TellerScore
546066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202460
Q4 202462
Q1 202554
Q2 202556
Q3 202556
Q4 202557
Q1 202658
Q2 202666
Tier 1 leverage ratio
5.00%6.86%8.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.42%
Q3 20248.36%
Q4 20248.41%
Q1 20258.44%
Q2 20258.46%
Q3 20258.61%
Q4 20258.67%
Q1 20268.71%
Q2 20268.64%
Noncurrent loans
0.40%0.89%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.68%
Q4 20240.40%
Q1 20251.16%
Q2 20251.12%
Q3 20251.29%
Q4 20251.23%
Q1 20261.39%
Q2 20260.48%
Return on assets
0.60%0.89%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.72%
Q4 20240.74%
Q1 20250.60%
Q2 20250.78%
Q3 20250.85%
Q4 20250.91%
Q1 20261.12%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$514.9M8.64%0.48%1.18%72.7%
Q1 202658$511.1M8.71%1.39%1.12%74.8%
Q4 202557$480.9M8.67%1.23%0.91%80.7%
Q3 202556$476.4M8.61%1.29%0.85%81.6%
Q2 202556$487.5M8.46%1.12%0.78%80.8%
Q1 202554$487.1M8.44%1.16%0.60%79.7%
Q4 202462$471.6M8.41%0.40%0.74%82.8%
Q3 202460$467.2M8.36%0.68%0.72%81.0%
Q2 202462$474.3M8.42%0.49%0.72%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).

Capital ratio8.64%
8th
Total risk-based capital13.36%
59th
Problem loans0.48%
46th
Net charge-offs0.44%
6th
Return on assets1.18%
46th
Net interest margin4.45%
78th
Efficiency ratio67.8%
35th
Loans to deposits72.7%
64th
Uninsured deposits20.3%
63rd
Loan-loss reserves1.34%
67th
Texas ratio8.0%
23rd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Great American BankBank Lawrence, KS80 out of 100, Strong$513.2M11.0%0.00%vs
Cornerstone BankBank Overland Park, KS68 out of 100, Moderate$504.9M9.2%0.05%vs
Southwest National BankBank Wichita, KS70 out of 100, Strong$502.1M10.3%0.08%vs
The Peoples BankBank Pratt, KS75 out of 100, Strong$531.1M9.3%0.37%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs
The First State BankBank Norton, KS90 out of 100, Very strong$493.2M13.1%0.10%vs

Deposit insurance

Is my money safe at First State Bank and Trust?

Yes. First State Bank and Trust is an FDIC-insured institution (FDIC certificate #14974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.3% of deposits ($93.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.36% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First State Bank and Trust lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank and Trust reported 178 home-loan applications under HMDA (LEI 549300R8LYY54XS86414): 132 originated ($39,270,000 total), 31 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.6%, 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
First State Bank and Trust
Former names
The First State Bank of Tonganoxie
Type
State-chartered bank
FDIC certificate #
14974
RSSD ID
605656
Primary regulator
FDIC
Holding company
Tonganoxie Bankshares Inc
Established
December 22, 1934
Headquarters
400 S Bury St, Tonganoxie, KS 66086
Employees
95

Quick answers

First State Bank and Trust: common questions

Is First State Bank and Trust FDIC insured?

Yes. First State Bank and Trust is an FDIC-insured institution (FDIC certificate #14974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank and Trust's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank and Trust ever failed?

There is no failure record for FDIC certificate #14974 in the FDIC failed bank list.

How many branches does First State Bank and Trust have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tonganoxie

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs
Sm Federal Credit UnionCredit union Mission, KS89 out of 100, Very strong$77.2M20.0%0.24%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs