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First Bank

Sterling, KS
IDRSSD: 49652
Total Assets
$157.40M
Latest filing
Total Deposits
$120.92M
Latest filing
Net Interest Margin
4.20%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1907
Community BankYes
Ownership TypeNot Mutual
ZIP67579
State and County Number20159
Subchapter S CorporationsNo
Trust PowersLimited Trust Powers Granted
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees25
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/26/1946
Primary Insurance AgencyDIF
Websitewww.first-bank..net
Data Updated11/14/2025
CERT16473
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$157.40M
Total Deposits$120.92M
Total Liabilities$138.18M
Total Equity Capital$19.22M
Net Income$554.00k
Net Loans and Leases$92.35M
Assets Per Employee ($Millions)$6.3M
Bank Premises and Fixed Assets$786.00k
Cash and Balances due from Depository Institutions$4.55M
Deposits Held in Domestic Offices$120.92M

Key Performance Ratios

Return on Assets (ROA)1.41%
Return on Equity (ROE)11.92%
Net Interest Margin4.2%
Efficiency Ratio57.96%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.13%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.213%
Earning Assets to total Assets92.5%

Income and Expense

Total Interest Income$2.28M
Total Noninterest Income$159.00k
Total Interest Expense$754.00k
Total Noninterest Expense$976.00k
Net Interest Income$1.52M
Pre-tax Net Operating Income$657.00k
Provision for Credit Losses$51.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$595.00k
Other borrowed funds$16.27M
Federal Funds Sold & Reverse Repurchase Agreement$8.50M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$990.00k
Total Liabilities and Capital$157.40M

Securities

Securities$41.62M
Available-for-sale debt securities$40.57M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First Bank?
$157.40M as of the latest filing.
How much are First Bank's total deposits?
$120.92M in total deposits.
Where is First Bank located?
Sterling, KS.
What is the Net Interest Margin?
4.20%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.41%.
How much are total loans and leases?
$92.35M (latest filing).
What is the total interest income (latest filing)?
$2.28M.