CoreFirst Bank & Trust


3035 Sw Topeka Blvd
Topeka, KS 66611
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

CoreFirst Bank & Trust is an FDIC insured institution located in Topeka, KS. It was founded in 1959 and has approximately $1.28 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 18100
Date Established 1959
Assets $ 1,282.51 million
Loans $ 828.15 million
Deposits $ 977.24 million
Capital $ 62.14 million

For a more detailed analysis of CoreFirst Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 13, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - July 13, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CoreFirst Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

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New American Funding, LLC.
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6.580% 6.490%
1.00 points
$3,002 fees
$2,021 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.616% 6.500%
1.00 points
$3,855 fees
$2,023 Learn More
Rocket Mortgage
NMLS ID: 3030
6.973% 6.875%
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$3,200 fees
$2,103 Learn More
CrossCountry Mortgage
NMLS ID: 3029

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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to CoreFirst Bank & Trust
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Climate Policy and Initiatives

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Financial Details

CoreFirst Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CoreFirst Bank & Trust. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CoreFirst Bank & Trust U.S. Bank Average
15.58% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, CoreFirst Bank & Trust had $8,474,000 in non-current loans and $2,556,000 in owned real estate. To cover these potential losses it had $62,139,000 in equity and $8,640,000 in loans loss reserves. That gives it a Texas Ratio of 15.58%.

Return on Equity
CoreFirst Bank & Trust U.S. Bank Average
11.19% 12.20%

CoreFirst Bank & Trust has a Return on Equity of 11.19% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

CoreFirst Bank & Trust U.S. Bank Average
4.85% 10.76%

CoreFirst Bank & Trust has a Capitalization of 4.85% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CoreFirst Bank & Trust Balance Sheet Analysis

As of December 31, 2023, CoreFirst Bank & Trust had assets of $1,282,506,000, loans of $828,150,000, and deposits of $977,243,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 29.45 million
Interest-bearing balances $ 6.78 million
Total securities $ 343.03 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 828.15 million
Loan loss allowance $ 8.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.56 million
Goodwill and other intangibles $ 0.14 million
All other assets $ 37.36 million
     Total Assets $ 1,220.37 million
Total deposits $ 977.24 million
      Interest-bearing deposits $ 920.48 million
      Deposits held in domestic offices $ 977.24 million
      % insured (estimated) 78.66%
Federal funds purchased and repurchase agreements $ 107.99 million
Trading liabilities N.A.
Other borrowed funds $ 105.00 million
Subordinated debt N.A.
All other liabilities $ 8.54 million
      Total Liabilities $ 1,220.37 million
      Shareholders’ Equity $ 62.14 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 48.68 million
Total Interest Expense $ 15.66 million
Net interest income $ 33.02 million
Provision for loan and lease losses $ 5.33 million
Total non interest income $ 17.42 million
Total non interest expense $ 38.04 million
Pre-tax Net Operating Income $ 7.34 million

Bank Loan Profile?

The top three loan types in CoreFirst Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, CoreFirst Bank & Trust has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.76
Credit Card Loans 0.84
Consumer Auto Loans 1.35
Small Business Loans 5.39
Construction and Development Loans 6.46
Commercial Real Estate 34.44
Commercial and Industrial Loans 14.90
Farm Loans 0.00

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