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First National Bank in Frankfort

Frankfort, KS · Cert 4668 · First Frankfort Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$61.6MAssets
$31.2MLoans
$55.4MDeposits
$3.8MEquity
Loan mix
82%RE $17.6M8%C&I $1.8M9%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $42.7M23%Noninterest $12.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.56%, up 5 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.52% of loans (-23 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 10.76%, down 22 bps from a year ago.
  • Funding: loans stand at 56.21% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.56%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.19%+22 bps YoY

Efficiency Ratio (quarter, annualized)

77.23%-385 bps YoY

Tier 1 Leverage Ratio

10.76%-22 bps YoY

NIM

4.32%Q2 ’244.68%Q2 ’254.71%Q2 ’26+18%+8%

Non-interest income vs. expense

2.41%Q2 ’242.60%Q2 ’252.65%Q2 ’26+9%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.42%0.47%0.50%0.54%0.53%0.62%0.56%+5 bps
Return on Equity6.45%8.50%10.13%10.23%10.01%8.70%10.17%9.11%-113 bps
Net Interest Margin2.61%2.77%2.96%2.97%3.18%3.24%3.24%3.19%+22 bps
Efficiency Ratio87.90%83.37%82.96%81.08%79.96%81.32%77.57%77.23%-385 bps
Non-Interest Burden2.27%2.27%2.41%2.36%2.49%2.60%2.46%2.41%+5 bps
Growth
Asset Growth (YoY)0.18%-0.04%3.47%3.68%5.68%3.59%3.63%4.25%+57 bps
Loan Growth (YoY)4.18%8.16%7.51%12.75%15.98%9.47%6.42%4.68%-807 bps
Deposit Growth (YoY)1.54%9.51%9.85%6.97%6.26%1.32%2.56%-0.63%-761 bps
Asset Quality
Nonperforming Loans / Loans0.96%0.88%0.89%0.75%0.64%0.76%0.58%0.52%-23 bps
Net Charge-Offs / Loans0.09%0.01%-0.06%-0.03%-0.04%-0.28%-0.03%-0.03%0 bps
Allowance / Loans1.49%1.45%1.47%1.42%1.31%1.42%1.48%1.45%+3 bps
Allowance Coverage of NPLs1.6x1.6x1.7x1.9x2.0x1.9x2.5x2.8x+0.9x
Capital
Tier 1 Leverage Ratio10.76%10.57%10.58%10.97%10.70%10.49%10.57%10.76%-22 bps
Total Risk-Based Capital10.76%10.57%10.58%10.97%10.70%10.49%10.57%10.76%-22 bps
Equity / Assets5.76%4.19%5.01%4.84%5.84%6.26%5.98%6.22%+138 bps
Liquidity & Funding
Loans / Deposits52.96%50.90%50.92%53.36%57.80%54.99%52.83%56.21%+286 bps
Liquid Assets / Assets1.28%1.24%1.24%1.25%0.81%0.80%0.80%0.40%-86 bps
CRE / Total Capitaln/an/an/an/a26.07%25.99%22.53%n/an/a