B
First National Bank and Trust
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First National Bank and Trust
Phillipsburg, KS
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Rating B
Asset Quality Index 4.90
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 6.40
Stability Index 8.10
Company Info First National Bank and Trust
Phillipsburg, KS
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FDIC Number 4756
Phone Number (785) 543-6511
Website www.agbank.bank
Asset Quality First National Bank and Trust
Phillipsburg, KS
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1-Year Asset Growth 7.82%
5-Year Asset Growth 5.43%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.51%
Non-Performing Assets to Assets 1.04%
Non-Performing Loans to Capital 11.39%
Non-Performing Loans to Loans 1.53%
Balance Sheet First National Bank and Trust
Phillipsburg, KS
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Total Assets 323.76M
Total Deposits 272.03M
Capital and Reserves First National Bank and Trust
Phillipsburg, KS
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Capital 43.27M
Leverage Ratio 14.72
Loan Loss Reserves to Loans 1.99%
Risk-Based Capital Ratio --
Liquidity First National Bank and Trust
Phillipsburg, KS
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Hot Money Ratio 22.62%
Liquidity Ratio 13.02%
Profitability First National Bank and Trust
Phillipsburg, KS
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5-Year Return on Average Assets 1.10%
Net Income 4.51M
Net Interest Spread 4.54%
Operating Profit to Average Assets 1.55%
Overhead Efficiency Ratio 62.42%
Return on Assets 1.49%
Return on Equity 11.20%