First National Bank in Frankfort: how it compares with its peers
Against 48 KS banks with half to twice its assets, First National Bank in Frankfort's strongest measure in Q2 2026 is assets per employee ($7.7M vs. a $7.0M peer median). Its weakest relative measure is return on assets (0.74% vs. 1.32%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 1.32% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.93% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.40% | 62.58% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.0M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.40% | 63.48% | Context |
What it means for lending operations
Its efficiency ratio of 77.40% is above the 62.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Spearville Spearville, KS · $62M
- Elevate Bank, National Association Sedan, KS · $61M
- The Farmers State Bank of Bucklin, Kansas Bucklin, KS · $61M
- Ford County State Bank Spearville, KS · $58M
- Farmers and Merchants Bank of Mound City, Kansas Mound City, KS · $65M
- The City State Bank Fort Scott, KS · $58M
Questions about First National Bank in Frankfort
How big is First National Bank in Frankfort?
First National Bank in Frankfort, established in 1921, is headquartered in Frankfort, KS. It reported $62M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First National Bank in Frankfort's return on assets?
0.74% annualized in Q2 2026, against a 1.32% median for 48 KS banks with half to twice its assets, ahead of 8% of them.
What is First National Bank in Frankfort's efficiency ratio?
77.40% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 62.58%, and lower is better.
Is First National Bank in Frankfort growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.