First National Bank and Trust: how it compares with its peers
Against 81 KS banks with half to twice its assets, First National Bank and Trust's strongest measure in Q2 2026 is net interest margin (4.88% vs. a 4.06% peer median). Its weakest relative measure is efficiency ratio (65.39% vs. 58.57%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.51% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.88% | 4.06% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.39% | 58.57% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.8M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.50% | 76.92% | Context |
What it means for lending operations
Its efficiency ratio of 65.39% is above the 58.57% 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
- KCB Bank Lakin, KS · $322M
- Heritage Bank Topeka, KS · $325M
- Centera Bank Sublette, KS · $318M
- Stryv Bank Wichita, KS · $333M
- The Citizens State Bank Gridley, KS · $336M
- Kaw Valley Bank Topeka, KS · $340M
Questions about First National Bank and Trust
How big is First National Bank and Trust?
First National Bank and Trust, established in 1884, is headquartered in Phillipsburg, KS. It reported $322M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank and Trust's return on assets?
1.37% annualized in Q2 2026, against a 1.51% median for 81 KS banks with half to twice its assets, ahead of 36% of them.
What is First National Bank and Trust's efficiency ratio?
65.39% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is First National Bank and Trust growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 3.5%.
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.