First National Bank in Frankfort
Frankfort, KS · Cert 4668 · Peer group: banks under $1B in assets in KS (n=98) · First Frankfort Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$61.6MAssets
$31.2MLoans
$55.4MDeposits
$3.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: return on assets trails 98% of banks under $1B in assets in KS (rank 96 of 98).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.59%
Rank 96 of 98
Net Interest Margin
3.24%
Rank 74 of 98
Efficiency Ratio
77.40%
Rank 94 of 98
Equity / Assets
6.22%
Rank 95 of 98
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 5% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 1.03% | 1.24% | 1.54% | Beats 2% | 96 / 98 | |
| Return on Equity | 9.48% | 8.85% | 11.58% | 14.73% | Beats 33% | 66 / 98 | |
| Net Interest Margin | 3.24% | 3.24% | 3.62% | 3.91% | Beats 24% | 74 / 98 | |
| Efficiency Ratio | 77.40% | 51.87% | 58.88% | 64.74% | Beats 5% | 94 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.01% | 0.33% | 1.05% | Beats 40% | 60 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 11.81% | 13.71% | 17.33% | Beats 16% | 82 / 98 | |
| Total Risk-Based Capital Ratio | 10.76% | 11.81% | 14.13% | 17.45% | Beats 15% | 83 / 98 | |
| Equity / Assets | 6.22% | 8.60% | 11.34% | 13.10% | Beats 3% | 95 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 56.21% | 57.09% | 69.84% | 82.47% | 22nd pctl | 76 / 98 | |
| Loans / Assets | 50.62% | 49.34% | 58.31% | 68.94% | 30th pctl | 69 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |