First National Bank in Fredonia
Fredonia, KS · Cert 13798 · Peer group: banks under $1B in assets in KS (n=98) · First Natl Bancshares Fredonia
National charter · OCC · 1 branch
Q2 2026
$104.4MAssets
$30.3MLoans
$92.5MDeposits
$11.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 72% of banks under $1B in assets in KS (rank 27 of 98).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in KS (rank 89 of 98).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.12%
Rank 63 of 98
Net Interest Margin
3.01%
Rank 89 of 98
Efficiency Ratio
59.23%
Rank 52 of 98
Equity / Assets
11.26%
Rank 51 of 98
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 48% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 1.03% | 1.24% | 1.54% | Beats 36% | 63 / 98 | | |
| Return on Equity | 9.93% | 8.85% | 11.58% | 14.73% | Beats 36% | 63 / 98 | | |
| Net Interest Margin | 3.01% | 3.24% | 3.62% | 3.91% | Beats 9% | 89 / 98 | | |
| Efficiency Ratio | 59.23% | 51.87% | 58.88% | 64.74% | Beats 48% | 52 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.01% | 0.33% | 1.05% | Beats 36% | 64 / 98 | | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.00% | 0.03% | Beats 13% | 86 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 16.73% | 11.81% | 13.71% | 17.33% | Beats 72% | 27 / 98 | | |
| Total Risk-Based Capital Ratio | 16.73% | 11.81% | 14.13% | 17.45% | Beats 65% | 34 / 98 | | |
| Equity / Assets | 11.26% | 8.60% | 11.34% | 13.10% | Beats 48% | 51 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 32.78% | 57.09% | 69.84% | 82.47% | 2nd pctl | 96 / 98 | | |
| Loans / Assets | 29.03% | 49.34% | 58.31% | 68.94% | 2nd pctl | 96 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |