The First State Bank (FDIC certificate #5835) is based in Norton, Kansas. Its Q2 2026 call report shows $493.2M in total assets and $406.6M in deposits and 5 offices across 2 states.
The First State Bank has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 13th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (81/100, 13.05%).
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 15 points (75 → 90), mostly because the loan quality component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 81 |
| Q2 2025 | 75 |
| Q3 2025 | 84 |
| Q4 2025 | 84 |
| Q1 2026 | 86 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.90% |
| Q3 2024 | 10.95% |
| Q4 2024 | 11.14% |
| Q1 2025 | 11.61% |
| Q2 2025 | 11.87% |
| Q3 2025 | 11.99% |
| Q4 2025 | 12.19% |
| Q1 2026 | 12.54% |
| Q2 2026 | 13.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.21% |
| Q2 2025 | 1.07% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.45% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.81% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $493.2M | 13.05% | 0.10% | 1.85% | 68.5% |
| Q1 2026 | 86 | $498.5M | 12.54% | 0.26% | 1.81% | 66.9% |
| Q4 2025 | 84 | $519.5M | 12.19% | 0.17% | 1.64% | 70.6% |
| Q3 2025 | 84 | $510.6M | 11.99% | 0.21% | 1.62% | 68.9% |
| Q2 2025 | 75 | $491.7M | 11.87% | 1.07% | 1.53% | 67.3% |
| Q1 2025 | 81 | $487.8M | 11.61% | 0.21% | 1.36% | 64.2% |
| Q4 2024 | 81 | $500.3M | 11.14% | 0.17% | 1.45% | 63.2% |
| Q3 2024 | 81 | $497.6M | 10.95% | 0.16% | 1.38% | 60.7% |
| Q2 2024 | 80 | $501.7M | 10.90% | 0.15% | 1.33% | 56.7% |
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |
| Southwest National BankBank Wichita, KS | 70 out of 100, Strong | $502.1M | 10.3% | 0.08% | vs |
| Cornerstone BankBank Overland Park, KS | 68 out of 100, Moderate | $504.9M | 9.2% | 0.05% | vs |
| Great American BankBank Lawrence, KS | 80 out of 100, Strong | $513.2M | 11.0% | 0.00% | vs |
| First State Bank and TrustBank Tonganoxie, KS | 66 out of 100, Moderate | $514.9M | 8.6% | 0.48% | vs |
| Solutions North BankBank Stockton, KS | 77 out of 100, Strong | $469.5M | 10.9% | 0.28% | vs |
Deposit insurance
Is my money safe at The First State Bank?
Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #5835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.1% of deposits ($93.9M) 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 13.05%, 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%).
5 locations
Branches
The First State Bank lists 5 offices in 5 cities across 2 states. Most locations:
- Hill City, KS (1)
- Holdrege, NE (1)
- Hoxie, KS (1)
- Norton, KS (1)
- Plainville, KS (1)
Identity & history
Profile
- Legal name
- The First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5835
- RSSD ID
- 394259
- Primary regulator
- FDIC
- Holding company
- Norton Bankshares Inc
- Established
- April 21, 1902
- Headquarters
- 105 W Main St, Norton, KS 67654
- Website
- www.thefsb.bank
- Employees
- 66
Quick answers
The First State Bank: common questions
Is The First State Bank FDIC insured?
Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #5835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First State Bank's TellerScore?
90 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 The First State Bank ever failed?
There is no failure record for FDIC certificate #5835 in the FDIC failed bank list.
How many branches does The First State Bank have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Norton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| United Northwest Federal Credit UnionCredit union Norton, KS | 87 out of 100, Very strong | $54.5M | 15.9% | 0.35% | vs |
| Solutions North BankBank Stockton, KS | 77 out of 100, Strong | $469.5M | 10.9% | 0.28% | vs |
| Mid-America BankBank Baldwin City, KS | 76 out of 100, Strong | $573.3M | 10.2% | 0.13% | vs |
| First National Bank and TrustBank Phillipsburg, KS | 72 out of 100, Strong | $322.2M | 14.7% | 1.87% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |