FirstOak Bank

BankIndependence, Kansas
www.firstoakbank.com

Total Assets

$241.0M

Total Deposits

$213.2M

Branches

5

Established

1881

TFS Health Grade

$
C

73.0 / 100

Average financial health

How we grade

FirstOak Bank is a bank headquartered in Independence, Kansas, established in 1881. With $241.0M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (73.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.13%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.79%(1%)
Return on Equity (ROE)
17.26%(10%)
Net Interest Margin
5.23%
Efficiency Ratio
62.87%(60%)

Lending & Liquidity

Total Loans
$189.4M
Loan-to-Deposit Ratio
87.98%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
-0.10%
Deposit Growth (YoY)
+2.19%
Net Income
$4.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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