First National Bank&Trust (FDIC #4756): Bank Stress & Real-Estate Credit Exposure
First National Bank&Trust (FDIC Cert #4756): bank stress 49/100, moderate, STABLE over 7 days; parent GOLDEN PLAINS BANKSHARES INC.
First National Bank&Trust (#4756) lends in 3 counties across 1 state; First National Bank&Trust (#4756) reaches 24 ZIP codes: Kansas 3 counties, 24 ZIPs.
First National Bank&Trust (#4756) largest markets: Smith County, KS (10 branches, 10 ZIPs) (#4756), Phillips County, KS (36 branches, 9 ZIPs) (#4756), Mitchell County, KS (7 branches, 7 ZIPs) (#4756).
First National Bank&Trust (#4756) reports $322.2 million in total assets; First National Bank&Trust (#4756) equity $44.9 million (13.9% of First National Bank&Trust (#4756) assets); First National Bank&Trust (#4756) domestic deposits $259.5 million; First National Bank&Trust (#4756) net income $2.2 million; First National Bank&Trust (#4756) return on assets 1.37%; First National Bank&Trust (#4756) return on equity 10.00%; First National Bank&Trust (#4756) net interest income $7.4 million; First National Bank&Trust (#4756) call report June 30, 2026.
First National Bank&Trust (#4756) noncurrent real-estate loans: none reported; First National Bank&Trust (#4756) net charge-offs on real estate 0.72%; First National Bank&Trust (#4756) residential charge-offs 5.80%.
First National Bank&Trust (#4756) net interest margin 4.88% against an eight-quarter First National Bank&Trust (#4756) average of 4.47% (First National Bank&Trust (#4756) compression -0.40 points); First National Bank&Trust (#4756) non-residential real estate 580.0% of equity; First National Bank&Trust (#4756) rate-exposure score 40/100, First National Bank&Trust (#4756) fixed-rate trap 40/100; First National Bank&Trust (#4756) risk type credit driven; First National Bank&Trust (#4756) rate regime rates elevated, First National Bank&Trust (#4756) snapshot October 19, 2026.
First National Bank&Trust (#4756) stress score moved from 40.5 on June 22, 2026 to 49.3 on October 19, 2026; First National Bank&Trust (#4756) ranged 40.5 to 49.3 over 116 snapshots.
First National Bank&Trust (#4756) alerts: 3 counties; top First National Bank&Trust (#4756) alert scores: Beloit County, KS 19 (low); Phillipsburg County, KS 19 (low); Smith Center County, KS 19 (low).