TellerScore

FNB Bank (FDIC certificate #14420) is based in Goodland, Kansas. Its Q2 2026 call report shows $270.3M in total assets and $235.0M in deposits and 5 offices across 2 states.

FNB Bank has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 180th. Funding & liquidity contributes the most (73/100, 76% loans-to-deposits, 25% uninsured); loan quality contributes the least (0/100, 4.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.21%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.03%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 75.5% · 25.5% uninsured
Problem-loan coverage46/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 26.87%

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 (46 → 45).

TellerScore
364452Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202444
Q4 202446
Q1 202547
Q2 202546
Q3 202545
Q4 202536
Q1 202642
Q2 202645
Tier 1 leverage ratio
5.00%8.02%11.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.63%
Q3 202410.69%
Q4 202410.48%
Q1 202510.79%
Q2 202510.99%
Q3 202511.04%
Q4 202510.06%
Q1 20269.93%
Q2 202610.21%
Noncurrent loans
2.09%4.10%6.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.09%
Q3 20243.82%
Q4 20242.86%
Q1 20253.08%
Q2 20252.89%
Q3 20253.76%
Q4 20256.11%
Q1 20265.25%
Q2 20264.03%
Return on assets
0.76%1.02%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.84%
Q4 20241.01%
Q1 20251.18%
Q2 20250.98%
Q3 20251.05%
Q4 20250.76%
Q1 20261.21%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$270.3M10.21%4.03%1.28%75.5%
Q1 202642$286.6M9.93%5.25%1.21%72.3%
Q4 202536$272.9M10.06%6.11%0.76%78.9%
Q3 202545$258.9M11.04%3.76%1.05%85.4%
Q2 202546$260.3M10.99%2.89%0.98%88.2%
Q1 202547$251.5M10.79%3.08%1.18%80.2%
Q4 202446$258.9M10.48%2.86%1.01%76.4%
Q3 202444$259.2M10.69%3.82%0.84%79.6%
Q2 202452$261.2M10.63%2.09%0.82%80.8%

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 ratio10.21%
36th
Total risk-based capital15.46%
70th
Problem loans4.03%
3rd
Net charge-offs0.06%
25th
Return on assets1.28%
52nd
Net interest margin4.65%
84th
Efficiency ratio71.0%
28th
Loans to deposits75.5%
59th
Uninsured deposits25.5%
44th
Loan-loss reserves1.91%
92nd
Texas ratio26.9%
3rd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Patriots BankBank Garnett, KS77 out of 100, Strong$268.8M9.2%0.00%vs
Citizens State Bank and Trust Co., Ellsworth, KansasBank Ellsworth, KS72 out of 100, Strong$275.9M9.7%0.12%vs
Fusion BankBank Larned, KS88 out of 100, Very strong$281.0M12.8%0.47%vs
The Farmers State Bank of WestmorelandBank Westmoreland, KS69 out of 100, Moderate$257.7M13.9%2.03%vs
Bankers' Bank of KansasBank Wichita, KS64 out of 100, Moderate$255.7M16.3%1.51%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs

Deposit insurance

Is my money safe at FNB Bank?

Yes. FNB Bank is an FDIC-insured institution (FDIC certificate #14420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($59.8M) 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 10.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.46% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

FNB Bank lists 5 offices in 5 cities across 2 states. Most locations:

  • Bennett, CO (1)
  • Goodland, KS (1)
  • Kirk, CO (1)
  • Oberlin, KS (1)
  • St. Francis, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
FNB Bank
Former names
First National Bank; The First National Bank in Goodland
Type
State-chartered bank
FDIC certificate #
14420
RSSD ID
805250
Primary regulator
FDIC
Holding company
First Natl Bancshares Profit Sharing&employee Stk Ownership Plan&tr
Established
January 1, 1886
Headquarters
202 E 11th St, Goodland, KS 67735
Employees
51

Quick answers

FNB Bank: common questions

Is FNB Bank FDIC insured?

Yes. FNB Bank is an FDIC-insured institution (FDIC certificate #14420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is FNB Bank's TellerScore?

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

Has FNB Bank ever failed?

There is no failure record for FDIC certificate #14420 in the FDIC failed bank list.

How many branches does FNB Bank have?

5 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Goodland

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Atwood, KS73 out of 100, Strong$159.0M10.6%0.75%vs
The BankBank Oberlin, KS59 out of 100, Moderate$617.3M11.5%3.45%vs
The Western State BankBank Garden City, KS49 out of 100, Below average$802.1M10.7%3.04%vs
Outdoor BankBank Manhattan, KS31 out of 100, Low$648.8M9.2%3.83%vs