Bank · FDIC insured
FirstOak Bank
A $241.2M bank headquartered in Independence, KS, with 4 branches in 2 states. Best rates: CDs 1.06% and savings 0.20% APY.
FirstOak Bank Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#17 of 17 in Pueblo, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FirstOak Bank
FirstOak Bank operates locations in Independence and Fredonia, Kansas, Pueblo, Colorado, and Thompson's Station, Tennessee, with its Main branch located in Independence, Kansas.
The bank has served customers for more than 30 years and aims to generate returns for stockholders while serving community financial needs.
- Headquarters
- 113 N Penn Ave, Independence, KS 67301
- FDIC certificate
- 4660 ↗
Branches
4 branches in 2 states
Loading map…
Kansas
3 branches
Independence area · 2
- FirstOak BankMain office113 N Penn Ave, Independence, KS 67301Directions
- Drive-Thru Branch1801 W Main St, Independence, KS 67301Directions
Fredonia area · 1
- Fredonia Branch501 Madison St, Fredonia, KS 66736Directions
Colorado
1 branch
- Pueblo Branch1419 W Us Highway 50, Pueblo, CO 81008Directions
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 | 10.48% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio10.48%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ 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 FirstOak Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.