What is First Bank's financial health grade?

First Bank has a TFS Financial Health Grade of F (score: 58.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Bank have?

First Bank has 3 branch locations across the United States.

Is First Bank FDIC insured?

Yes, First Bank is FDIC insured (Certificate #16473).

What are the total assets of First Bank?

First Bank has total assets of $152.0M as reported in its most recent FDIC filing.

First Bank

BankSterling, Kansas

www.first-bank..net

Total Assets

$152.0M

Total Deposits

$113.7M

Branches

Established

1907

TFS Health Grade

58.6 / 100

Poor financial health

How we grade

First Bank is a bank headquartered in Sterling, Kansas, established in 1907. With $152.0M in total assets and 3 branch locations, it has a TFS Financial Health Grade of F (58.6/100).

Capital & Safety

Tier 1 Capital Ratio

12.65%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

5.58%

Profitability

Return on Assets (ROA)

0.71%(1%)

Return on Equity (ROE)

6.05%(10%)

Net Interest Margin

4.05%

Efficiency Ratio

64.04%(60%)

Lending & Liquidity

Total Loans

$102.9M

Loan-to-Deposit Ratio

87.76%

Net Charge-Off Ratio

0.15%

Growth

Asset Growth (YoY)

+0.31%

Deposit Growth (YoY)

+3.50%

Net Income

$1.1M

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.

Branch	Address	City	State	Type
First BankHQ	128 S Broadway Ave	Sterling	KS	11
First Bank	509 Main St	Chase	KS	11
First Bank	201 East Ave S	Lyons	KS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.