Bank · FDIC insured
First State Bank & Trust
A $514.9M bank headquartered in Tonganoxie, KS, with 7 branches in Kansas.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank & Trust
First State Bank and Trust is headquartered in Northeast Kansas and operates seven locations across Basehor, Kansas City, Lawrence, Perry, and Tonganoxie.
Locally owned by stockholders since 1979, the bank converted to a Kansas state charter in 1934 and changed its corporate name to First State Bank and Trust in 1982.
The institution traces its roots to The Bank of Perry, chartered in 1893, which merged with First State Bank & Trust in 2002.
- Headquarters
- 400 S Bury St, Tonganoxie, KS 66086
- FDIC certificate
- 14974 ↗
Branches
7 branches in Kansas
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Kansas
7 branches
Kansas City area · 4
- First State Bank and TrustMain office400 S Bury St, Tonganoxie, KS 66086Directions
- Basehor Branch15506 Pinehurst Dr, Basehor, KS 66007Directions
- First Legend Bank And Trust10900 Parallel Pkwy, Kansas City, KS 66109Directions
- Tonganoxie Highway Branch1525 Highway 24-40, Tonganoxie, KS 66086Directions
Lawrence area · 2
- Lawrence Monterey Branch3901 W 6th St, Lawrence, KS 66049Directions
- Lawrence Vermont Branch609 Vermont St, Lawrence, KS 66044Directions
Topeka area · 1
- Perry Branch402 Plaza Dr, Perry, KS 66073Directions
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 | 8.64% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.48% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.18% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $74 | $81 | — |
- CapitalLeverage ratio8.64%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.48%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.18%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$74Peers’ 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 State Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.