Bank · FDIC insured
First National Bank and Trust
A $322.2M bank headquartered in Phillipsburg, KS, with 6 branches in Kansas.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank and Trust
The story of First National Bank and Trust traces back to 1884, when the Culbertson family opened their first bank in Long Island, Kansas.
After World War II, the family established First National Bank and Trust in Phillipsburg, Kansas, founded to help local farmers.
The bank now operates five community bank locations across north central Kansas, including Long Island, Logan, Smith Center, and Beloit.
- Headquarters
- 225 State St, Phillipsburg, KS 67661
- FDIC certificate
- 4756 ↗
Branches
6 branches in Kansas
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Kansas
6 branches
Phillipsburg area · 2
- First National Bank and TrustMain office225 State St, Phillipsburg, KS 67661Directions
- Convenience Bank Branch607 2nd St, Phillipsburg, KS 67661Directions
Beloit area · 1
- Solomon Valley Bank Branch3011 Us 24 Hwy, Beloit, KS 67420Directions
Logan area · 1
- West Main Branch201 W Main St, Logan, KS 67646Directions
Long Island area · 1
- Long Island Branch300 Washington Avenue, Long Island, KS 67647Directions
Smith Center area · 1
- Smith County Bank Branch206 W Highway 36, Smith Center, KS 66967Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.73% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.87% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio14.73%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.87%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.