First National Bank and Trust

Headquarters

225 State Street
Phillipsburg, KS 67661
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.00% →
1-Year CD 0.40% 0.95% →
2-Year CD 0.65% 1.05% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First National Bank and Trust is an FDIC insured institution located in Phillipsburg, KS. It was founded in 1884 and has approximately $0.22 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 4756
Date Established 1884
Assets $ 222.77 million
Loans $ 149.66 million
Deposits $ 182.63 million
Capital $ 34.57 million
 

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

Deposit Rates - September 30, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank and Trust

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




Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to First National Bank and Trust
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Branches

First National Bank and Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First National Bank and Trust Locations


Financial Details

First National Bank and Trust Ratio Analysis

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

Texas Ratio
First National Bank and Trust U.S. Bank Average
14.69% 6.94%

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 March 31, 2020, First National Bank and Trust had $5,355,000 in non-current loans and $188,000 in owned real estate. To cover these potential losses it had $34,568,000 in equity and $3,177,000 in loans loss reserves. That gives it a Texas Ratio of 14.69%.

Return on Equity
First National Bank and Trust U.S. Bank Average
7.75% 7.80%

First National Bank and Trust has a Return on Equity of 7.75% versus the BestCashCow average of 7.80%. 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.

Capitalization
First National Bank and Trust U.S. Bank Average
15.52% 12.68%

First National Bank and Trust has a Capitalization of 15.52% versus the BestCashCow average of 12.68. 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.

First National Bank and Trust Balance Sheet Analysis

As of March 31, 2020, First National Bank and Trust had assets of $222,771,000, loans of $149,662,000, and deposits of $182,634,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 5.87 million
Interest-bearing balances $ 2.11 million
Total securities $ 52.88 million
Federal funds sold and reverse repurchase $ 4.10 million
Net loans and leases $ 149.66 million
Loan loss allowance $ 3.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.19 million
Goodwill and other intangibles N.A.
All other assets $ 7.40 million
     Total Assets $ 188.20 million
LIABILITIES
Total deposits $ 182.63 million
      Interest-bearing deposits $ 144.34 million
      Deposits held in domestic offices $ 182.63 million
      % insured (estimated) 83.94%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.75 million
Subordinated debt N.A.
All other liabilities $ 0.82 million
      Total Liabilities $ 188.20 million
      Shareholders’ Equity $ 34.57 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.59 million
Total Interest Expense $ 0.44 million
Net interest income $ 2.15 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 0.46 million
Total non interest expense $ 1.80 million
Pre-tax Net Operating Income $ 0.71 million

Bank Loan Profile?

The top three loan types in First National Bank and Trust’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, First National Bank and Trust has a significantly higher percent of Farm Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.48
Multifamily
Mortgages
0.91
Credit Card Loans 0.34
Consumer Auto Loans 4.10
Small Business Loans 0.00
Construction and Development Loans 0.48
Commercial Real Estate 5.33
Commercial and Industrial Loans 14.08
Farm Loans 34.58

Frequently Asked Questions About First National Bank And Trust

Branches and Savings

Is First National Bank And Trust FDIC insured?

Yes. It is covered under FDIC Certificate #4756.

Why does First National Bank And Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank And Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank And Trust a commercial bank?

Yes

Where are First National Bank And Trust locations?

See branch locations nearby.

Is First National Bank And Trust open on Saturdays?

Is First National Bank And Trust open on Sundays?

What time does First National Bank And Trust open?

What time does First National Bank And Trust close?

Are First National Bank And Trust ATMs Open 24/7?

Do First National Bank And Trust ATMs accept cash deposits?

Can First National Bank And Trust customers use other ATMs?

Do First National Bank And Trust branches have notaries?

Will First National Bank And Trust notarize my document?

What address for First National Bank And Trust should I put for incoming ACH transfers?

Will the First National Bank And Trust branch print checks?

Do First National Bank And Trust checks expire?

Does First National Bank And Trust require US citizenship to open account?

Can First National Bank And Trust close my account?

Does First National Bank And Trust Report to credit bureaus?

Does First National Bank And Trust Use Equifax?

What is First National Bank And Trust's ACH Routing Number?

What is First National Bank And Trust's SWIFT code?

Products

Does First National Bank And Trust offer mortgages?

Compare mortgage rates here.

Does First National Bank And Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank And Trust offer personal loans?

Compare personal loan rates here.

Does First National Bank And Trust offer student loans?

Will First National Bank And Trust cash a check?

Will First National Bank And Trust redeem a savings bond?

Does First National Bank And Trust cash savings bonds?

Will First National Bank And Trust cash money orders?

Can First National Bank And Trust issue a money order?

Does First National Bank And Trust do currency exchange?

Background on The Bank

Who owns First National Bank And Trust?

How long has First National Bank And Trust been around?

Can First National Bank And Trust transfer to other banks?

Does First National Bank And Trust have quick pay?

Does First National Bank And Trust accept rolled coins?

Will First National Bank And Trust accept loose change?

Where is First National Bank And Trust headquarters?

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