First National Bank and Trust
Phillipsburg, KS
IDRSSD: 183958
Total Assets
$305.34M
Latest filing
Total Deposits
$252.17M
Latest filing
Net Interest Margin
4.74%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank and Trust
225 State St
Phillipsburg, KS 67661
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1884FDIC Certificate 3172
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank and Trust (Main) | 225 State St | Phillipsburg, KS |
| LONG ISLAND BRANCH | 300 Washington Avenue | Long Island, KS |
| CONVENIENCE BANK BRANCH | 607 2nd St | Phillipsburg, KS |
| WEST MAIN BRANCH | 201 W Main St | Logan, KS |
| SMITH COUNTY BANK BRANCH | 206 W Highway 36 | Smith Center, KS |
| SOLOMON VALLEY BANK BRANCH | 3011 Us 24 Hwy | Beloit, KS |
Showing 5 of 5
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 Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67661 |
| State and County Number | 20147 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.agbank.bank |
| Data Updated | 11/14/2025 |
| CERT | 4756 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $305.34M |
| Total Deposits | $252.17M |
| Total Liabilities | $263.24M |
| Total Equity Capital | $42.10M |
| Net Income | $865.00k |
| Net Loans and Leases | $204.81M |
| Assets Per Employee ($Millions) | $5.18M |
| Bank Premises and Fixed Assets | $4.20M |
| Cash and Balances due from Depository Institutions | $5.12M |
| Deposits Held in Domestic Offices | $252.17M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 8.43% |
| Net Interest Margin | 4.74% |
| Efficiency Ratio | 62.52% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.79% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.788% |
| Earning Assets to total Assets | 94.21% |
Income and Expense
| Total Interest Income | $4.49M |
| Total Noninterest Income | $629.00k |
| Total Interest Expense | $1.10M |
| Total Noninterest Expense | $2.51M |
| Net Interest Income | $3.39M |
| Pre-tax Net Operating Income | $905.00k |
| Provision for Credit Losses | $600.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $9.90M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.17M |
| Total Liabilities and Capital | $305.34M |
Securities
| Securities | $82.79M |
| Available-for-sale debt securities | $82.79M |
| 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 National Bank and Trust?
$305.34M as of the latest filing.
How much are First National Bank and Trust's total deposits?
$252.17M in total deposits.
Where is First National Bank and Trust located?
Phillipsburg, KS.
What is the Net Interest Margin?
4.74%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1884.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$204.81M (latest filing).
What is the total interest income (latest filing)?
$4.49M.