🏦Bank Scorer

THE FIRST NATIONAL BANK

NESS CITY, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1916FDIC #10,503
Satisfactory Same

Current rating · Exam: January 1999

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.42%

Is this bank safe?

THE FIRST NATIONAL BANK holds a Satisfactory CRA rating (1999), is financially strong (ROA +1.42%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

206 N Pennsylvania Ave, NESS CITY, KS

County

Ness County

Established

January 1, 1916

Total Assets

$86M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 25, 1999

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$86M

Total Deposits

$76M

Net Loans

$33M

Net Income

$301K

ROA

1.42%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.91%

Risk-Based Capital

23.31%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.42%Peer avg: 0.44%▲ Above avg
Risk-Based Capital23.31%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$72M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 1999SatisfactorySmall Bank
Mar 1997SatisfactoryNot Reported
Sep 1994SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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