First Bank Kansas (FDIC #18431): Bank Stress & Real-Estate Credit Exposure
First Bank Kansas (FDIC Cert #18431): bank stress 47/100, moderate, STABLE over 7 days; parent OTTAWA BANCSHARES INC.
First Bank Kansas (#18431) lends in 5 counties across 1 state; First Bank Kansas (#18431) reaches 57 ZIP codes: Kansas 5 counties, 57 ZIPs.
First Bank Kansas (#18431) largest markets: Reno County, KS (22 branches, 22 ZIPs) (#18431), Mcpherson County, KS (26 branches, 13 ZIPs) (#18431), Dickinson County, KS (12 branches, 12 ZIPs) (#18431), Ellsworth County, KS (9 branches, 9 ZIPs) (#18431), Saline County, KS (27 branches, 9 ZIPs) (#18431).
First Bank Kansas (#18431) reports $618.5 million in total assets; First Bank Kansas (#18431) equity $49.0 million (7.9% of First Bank Kansas (#18431) assets); First Bank Kansas (#18431) domestic deposits $561.6 million; First Bank Kansas (#18431) net income $11.7 million; First Bank Kansas (#18431) return on assets 3.84%; First Bank Kansas (#18431) return on equity 50.89%; First Bank Kansas (#18431) net interest income $13.8 million; First Bank Kansas (#18431) call report June 30, 2026.
First Bank Kansas (#18431) noncurrent real-estate loans: none reported; First Bank Kansas (#18431) net charge-offs on real estate 0.02%.
First Bank Kansas (#18431) net interest margin 4.79% against an eight-quarter First Bank Kansas (#18431) average of 4.30% (First Bank Kansas (#18431) compression -0.50 points); First Bank Kansas (#18431) rate-exposure score 40/100, First Bank Kansas (#18431) fixed-rate trap 40/100; First Bank Kansas (#18431) risk type credit driven; First Bank Kansas (#18431) rate regime rates elevated, First Bank Kansas (#18431) snapshot October 19, 2026.
First Bank Kansas (#18431) stress score moved from 47.9 on June 22, 2026 to 46.6 on October 19, 2026; First Bank Kansas (#18431) ranged 46.6 to 47.9 over 116 snapshots.
First Bank Kansas (#18431) alerts: 5 counties; top First Bank Kansas (#18431) alert scores: Ellsworth County, KS 35 (low); Mcpherson County, KS 32 (low); Abilene County, KS 19 (low); Hutchinson County, KS 19 (low); Salina County, KS 19 (low).