FNB BANK

GOODLAND, KS · Supervised by FDIC

Est. 1886FDIC #14,420RSSD: FDIC-14420

Part ofFIRST NATL BANCSHARES PROFIT SHARING&EMPLOYEE STK OWNERSHIP PLAN&TR→ View all charters

Satisfactory

Current rating · Exam: February 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Website

www.fnb.com

Address

202 E 11th St, GOODLAND, KS

County

Sherman County

Established

January 1, 1886

Total Assets

$287M(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

February 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 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

$287M

Total Deposits

$253M

Net Loans

$183M

Net Income

$844K

ROA

1.21%

ROE

14.97%

Risk-Based Capital

14.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate14.52%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$211M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	62	59.68%	14.52%
2023	77	62.34%	16.88%
2020	226	84.96%	6.19%
2019	272	79.41%	8.82%
2018	357	82.91%	8.68%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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