First State Bank and Trust
Tonganoxie, KS
IDRSSD: 605656
Total Assets
$480.86M
Latest filing
Total Deposits
$421.32M
Latest filing
Net Interest Margin
4.53%
Profitability
Key People
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Locations
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Main Office
First State Bank and Trust
400 S Bury St
Tonganoxie, KS 66086
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/22/1934FDIC Certificate 9381
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank and Trust (Main) | 400 S Bury St | Tonganoxie, KS |
| BASEHOR BRANCH | 15506 Pinehurst Dr | Basehor, KS |
| LAWRENCE VERMONT BRANCH | 609 Vermont St | Lawrence, KS |
| TONGANOXIE HIGHWAY BRANCH | 1525 Highway 24-40 | Tonganoxie, KS |
| LAWRENCE MONTEREY BRANCH | 3901 W 6th St | Lawrence, KS |
| COURIER BRANCH SERVICE | 400 S Bury St | Tonganoxie, KS |
| FIRST LEGEND BANK AND TRUST | 10900 Parallel Pkwy | Kansas City, KS |
| PERRY BRANCH | 402 Plaza Dr | Perry, KS |
Showing 7 of 7
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/22/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66086 |
| State and County Number | 20103 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 8 |
| 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 | 01/08/1935 |
| Primary Insurance Agency | DIF |
| Website | www.firststateks.com |
| Data Updated | 01/30/2026 |
| CERT | 14974 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $480.86M |
| Total Deposits | $421.32M |
| Total Liabilities | $438.71M |
| Total Equity Capital | $42.14M |
| Net Income | $1.31M |
| Net Loans and Leases | $340.00M |
| Assets Per Employee ($Millions) | $4.76M |
| Bank Premises and Fixed Assets | $12.15M |
| Cash and Balances due from Depository Institutions | $6.63M |
| Deposits Held in Domestic Offices | $421.32M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 12.68% |
| Net Interest Margin | 4.53% |
| Efficiency Ratio | 70.28% |
| Tier 1 Risk-Based Capital Ratio | 11.309% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.764% |
| Earning Assets to total Assets | 93.76% |
Income and Expense
| Total Interest Income | $6.50M |
| Total Noninterest Income | $1.33M |
| Total Interest Expense | $1.43M |
| Total Noninterest Expense | $4.51M |
| Net Interest Income | $5.08M |
| Pre-tax Net Operating Income | $1.75M |
| Provision for Credit Losses | $151.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $14.74M |
| All Other Liabilities | $2.65M |
| Total Liabilities and Capital | $480.86M |
Securities
| Securities | $108.52M |
| Available-for-sale debt securities | $108.52M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 State Bank and Trust?
$480.86M as of the latest filing.
How much are First State Bank and Trust's total deposits?
$421.32M in total deposits.
Where is First State Bank and Trust located?
Tonganoxie, KS.
What is the Net Interest Margin?
4.53%.
How many domestic offices does it operate?
8.
When was it established?
12/22/1934.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$340.00M (latest filing).
What is the total interest income (latest filing)?
$6.50M.