The First State Bank
Ness City, KS
IDRSSD: 275657
Total Assets
$84.26M
Latest filing
Total Deposits
$74.32M
Latest filing
Net Interest Margin
2.81%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First State Bank
206 N Pennsylvania Ave
Ness City, KS 67560
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1916FDIC Certificate 6723
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The First State Bank (Main) | 206 N Pennsylvania Ave | Ness City, KS | ||
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67560 |
| State and County Number | 20135 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| 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 | 11 |
| Domestic Offices | 1 |
| 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 | http://www.fsbnesscity.com |
| Data Updated | 01/30/2026 |
| CERT | 10503 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $84.26M |
| Total Deposits | $74.32M |
| Total Liabilities | $74.75M |
| Total Equity Capital | $9.51M |
| Net Income | $-10,000 |
| Net Loans and Leases | $33.14M |
| Assets Per Employee ($Millions) | $7.66M |
| Bank Premises and Fixed Assets | $463.00k |
| Cash and Balances due from Depository Institutions | $2.50M |
| Deposits Held in Domestic Offices | $74.32M |
Key Performance Ratios
| Return on Assets (ROA) | -0.05% |
| Return on Equity (ROE) | -0.43% |
| Net Interest Margin | 2.81% |
| Efficiency Ratio | 100.65% |
| Tier 1 Risk-Based Capital Ratio | 21.902% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.291% |
| Earning Assets to total Assets | 94.18% |
Income and Expense
| Total Interest Income | $874.00k |
| Total Noninterest Income | $57.00k |
| Total Interest Expense | $314.00k |
| Total Noninterest Expense | $621.00k |
| Net Interest Income | $560.00k |
| Pre-tax Net Operating Income | $-10,000 |
| Provision for Credit Losses | $6.00k |
| 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 | $5.70M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $429.00k |
| Total Liabilities and Capital | $84.26M |
Securities
| Securities | $40.27M |
| Available-for-sale debt securities | $39.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $430.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First State Bank?
$84.26M as of the latest filing.
How much are The First State Bank's total deposits?
$74.32M in total deposits.
Where is The First State Bank located?
Ness City, KS.
What is the Net Interest Margin?
2.81%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1916.
What is the Return on Assets (ROA)?
-0.05%.
How much are total loans and leases?
$33.14M (latest filing).
What is the total interest income (latest filing)?
$874.00k.