First Bank Kansas
Salina, KS·RSSD 192558·FDIC 18431·bank:192558·Risk-based ratios where reported
- #32 of 185Total assets in Kansas
- 8offices
- 126employees
- #1 of 137Return on assets in Kansas
- Top 5%Fee income vs. peers
- #8 of 137Net interest margin in Kansas
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at First Bank Kansas
3 of 25 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Return on assets rising faster than peersStrength: Earnings4.93%peers 1.32%+362 bps
First Bank Kansas's annualized return on assets rose 270 bps over the past year to 4.93%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 4.93% | 1.32% | +362 bps |
| 12-month change | ||
| +270 bps | +14 bps | +255 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Bank Kansas itself is left out of every peer median and percentile. How signals work
Where First Bank Kansas differs most from peers
Leverage capital ratio among the lowest of similar banksContext: Capital8.83%peers 10.81%-2.0 pp
First Bank Kansas's leverage ratio was 8.83%, compared with a median of 10.81% among 1437 similar banks: lower than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 8.83% | 10.81% | -2.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Bank Kansas itself is left out of every peer median and percentile. How signals work
Deposit costs among the lowest of similar banksContext: Funding1.15%peers 1.80%-65 bps
First Bank Kansas's cost of all deposits was 1.15%, compared with a median of 1.80% among 1432 similar banks: lower than 88% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.15% | 1.80% | -65 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Bank Kansas itself is left out of every peer median and percentile. How signals work
2 more observations
- Fee and other noninterest income among the highest of similar banksEarnings
- Net interest margin widening faster than peersEarnings
Key facts
- First Bank Kansas is a bank headquartered in Salina, Kansas. It reported $619 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $562 million, up 7.6% from a year earlier, and loans totaled $420 million, up 12.3%.
- Its net interest margin was 4.90% and its annualized return on assets was 4.93% for the quarter.
- Its cost of all deposits was 1.15%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First Bank Kansas's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- First Bank Kansas · Bank
- Federal Reserve RSSD
- 192558
- FDIC certificate
- 18431
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. First Bank Kansas itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $7.58M | — | |
| $8.79M | — | |
| $1.65M | — | |
| $7.14M | — | |
| $3M | — | |
| $5.3M | — | |
| $205K | — | |
| $205K | — | |
| 4.93% | 4.92%ROAQ · Quarter | |
| 4.90% | 4.89%NIMYQ · Quarter | |
| 52.21% | 52.21%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.