B
First National Bank and Trust
Rating Date
October 2025
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 5.00
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 6.30
Stability Index 8.20
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 0.21%
5-Year Asset Growth 6.85%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.51%
Non-Performing Assets to Assets 1.20%
Non-Performing Loans to Capital 10.33%
Non-Performing Loans to Loans 1.76%
Balance Sheet First National Bank and Trust
Phillipsburg, KS
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Total Assets 305.34M
Total Deposits 252.17M
Capital and Reserves First National Bank and Trust
Phillipsburg, KS
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Capital 42.10M
Leverage Ratio 14.97
Loan Loss Reserves to Loans 2.04%
Risk-Based Capital Ratio --
Liquidity First National Bank and Trust
Phillipsburg, KS
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Hot Money Ratio 23.42%
Liquidity Ratio 10.62%
Profitability First National Bank and Trust
Phillipsburg, KS
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5-Year Return on Average Assets 1.10%
Net Income 3.49M
Net Interest Spread 4.47%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 61.18%
Return on Assets 1.55%
Return on Equity 11.77%