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First State Bank and Trust

Tonganoxie, KS
IDRSSD: 605656
Total Assets
$476.36M
Latest filing
Total Deposits
$419.85M
Latest filing
Net Interest Margin
4.37%
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 Date12/22/1934
Community BankYes
Ownership TypeNot Mutual
ZIP66086
State and County Number20103
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 NameKansas City, MO-KS

Operational Info

Number of Employees101
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/08/1935
Primary Insurance AgencyDIF
Websitewww.firststateks.com
Data Updated11/14/2025
CERT14974
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$476.36M
Total Deposits$419.85M
Total Liabilities$435.59M
Total Equity Capital$40.77M
Net Income$1.20M
Net Loans and Leases$342.46M
Assets Per Employee ($Millions)$4.72M
Bank Premises and Fixed Assets$12.22M
Cash and Balances due from Depository Institutions$9.31M
Deposits Held in Domestic Offices$419.85M

Key Performance Ratios

Return on Assets (ROA)1%
Return on Equity (ROE)12.08%
Net Interest Margin4.37%
Efficiency Ratio69.58%
Tier 1 Risk-Based Capital Ratio11.205%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.31%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.558%
Earning Assets to total Assets93.48%

Income and Expense

Total Interest Income$6.44M
Total Noninterest Income$1.32M
Total Interest Expense$1.53M
Total Noninterest Expense$4.34M
Net Interest Income$4.92M
Pre-tax Net Operating Income$1.52M
Provision for Credit Losses$376.00k
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$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$12.76M
All Other Liabilities$2.98M
Total Liabilities and Capital$476.36M

Securities

Securities$99.12M
Available-for-sale debt securities$99.12M
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 State Bank and Trust?
$476.36M as of the latest filing.
How much are First State Bank and Trust's total deposits?
$419.85M in total deposits.
Where is First State Bank and Trust located?
Tonganoxie, KS.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
8.
When was it established?
12/22/1934.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$342.46M (latest filing).
What is the total interest income (latest filing)?
$6.44M.