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.

From Q2 2025 to Q2 2026, the score fell 2 points (77 → 75), mostly because the earnings component weakened by 22 points.

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

Yes. FirstOak Bank is an FDIC-insured institution (FDIC certificate #4660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.5% of deposits ($56.2M) 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 10.48%, 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%).

Check how much of your own balance is covered

FirstOak Bank lists 3 offices in 3 cities across 2 states. Most locations:

• Fredonia, KS (1)
• Independence, KS (1)
• Pueblo, CO (1)

All branch addresses and map

In 2025, FirstOak Bank reported 59 home-loan applications under HMDA (LEI 549300NZI0KZUW6HBT60): 37 originated ($9,675,000 total), 13 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.5%, 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.

Legal name

FirstOak Bank

Former names

First National Bank, Independence, Kansas; FirstBank of Independence; The First National Bank of Elk City

Type

State-chartered bank (Fed member)

FDIC certificate #

4660

RSSD ID

916857

Primary regulator

FED

Holding company

Fnb Bancshares Inc

Established

January 1, 1881

Headquarters

113 N Penn Ave, Independence, KS 67301

Website

www.firstoakbank.com

Employees

44