FirstOak Bank
Independence, KS
IDRSSD: 916857
Total Assets
$244.59M
Latest filing
Total Deposits
$216.44M
Latest filing
Net Interest Margin
5.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
FirstOak Bank
113 N Penn Ave
Independence, KS 67301
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1881FDIC Certificate 3096
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FirstOak Bank (Main) | 113 N Penn Ave | Independence, KS |
| ELK CITY BRANCH | 106 E Hickory St | Elk City, KS |
| DRIVE-THRU BRANCH | 1801 W Main St | Independence, KS |
| FIRSTOAK BANK-PUEBLO BRANCH | 1419 W Us Highway 50 | Pueblo, CO |
| FREDONIA BRANCH | 501 Madison St | Fredonia, KS |
Showing 4 of 4
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 | 01/01/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67301 |
| State and County Number | 20125 |
| 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 | Coffeyville, KS |
Operational Info
| Number of Employees | 41 |
| Domestic Offices | 5 |
| 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.firstoakbank.com |
| Data Updated | 11/14/2025 |
| CERT | 4660 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $244.59M |
| Total Deposits | $216.44M |
| Total Liabilities | $218.94M |
| Total Equity Capital | $25.64M |
| Net Income | $1.15M |
| Net Loans and Leases | $189.70M |
| Assets Per Employee ($Millions) | $5.82M |
| Bank Premises and Fixed Assets | $4.61M |
| Cash and Balances due from Depository Institutions | $13.51M |
| Deposits Held in Domestic Offices | $216.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.87% |
| Return on Equity (ROE) | 18% |
| Net Interest Margin | 5.35% |
| Efficiency Ratio | 62.51% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.485% |
| Earning Assets to total Assets | 92.54% |
Income and Expense
| Total Interest Income | $3.84M |
| Total Noninterest Income | $213.00k |
| Total Interest Expense | $796.00k |
| Total Noninterest Expense | $2.05M |
| Net Interest Income | $3.04M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $30.00k |
| 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 | $7.30M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.51M |
| Total Liabilities and Capital | $244.59M |
Securities
| Securities | $19.47M |
| Available-for-sale debt securities | $19.24M |
| 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 FirstOak Bank?
$244.59M as of the latest filing.
How much are FirstOak Bank's total deposits?
$216.44M in total deposits.
Where is FirstOak Bank located?
Independence, KS.
What is the Net Interest Margin?
5.35%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1881.
What is the Return on Assets (ROA)?
1.87%.
How much are total loans and leases?
$189.70M (latest filing).
What is the total interest income (latest filing)?
$3.84M.