What is First State Bank and Trust's financial health grade?

First State Bank and Trust has a TFS Financial Health Grade of D+ (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank and Trust have?

First State Bank and Trust has 8 branch locations across the United States.

Is First State Bank and Trust FDIC insured?

Yes, First State Bank and Trust is FDIC insured (Certificate #14974).

What are the total assets of First State Bank and Trust?

First State Bank and Trust has total assets of $480.9M as reported in its most recent FDIC filing.

First State Bank and Trust

BankTonganoxie, Kansas

www.firststateks.com

Total Assets

$480.9M

Total Deposits

$421.3M

Branches

Established

1934

TFS Health Grade

D+

70.0 / 100

Below average financial health

How we grade

First State Bank and Trust is a bank headquartered in Tonganoxie, Kansas, established in 1934. With $480.9M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D+ (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.67%(8%)

Total Capital Ratio

12.56%(10%)

Non-Performing Loan Ratio

1.23%

Profitability

Return on Assets (ROA)

0.91%(1%)

Return on Equity (ROE)

11.14%(10%)

Net Interest Margin

4.30%

Efficiency Ratio

71.60%(60%)

Lending & Liquidity

Total Loans

$344.9M

Loan-to-Deposit Ratio

80.70%

Net Charge-Off Ratio

0.14%

Growth

Asset Growth (YoY)

+1.97%

Deposit Growth (YoY)

+3.68%

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.

Branch	Address	City	State	Type
First State Bank and TrustHQ	400 S Bury St	Tonganoxie	KS	11
First State Bank and Trust	15506 Pinehurst Dr	Basehor	KS	11
First State Bank and Trust	10900 Parallel Pkwy	Kansas City	KS	11
First State Bank and Trust	3901 W 6th St	Lawrence	KS	11
First State Bank and Trust	609 Vermont St	Lawrence	KS	11
First State Bank and Trust	402 Plaza Dr	Perry	KS	11
First State Bank and Trust	400 S Bury St	Tonganoxie	KS	99
First State Bank and Trust	1525 Highway 24-40	Tonganoxie	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.