FirstOak Bank
Independence, KS · Owner: FNB Bancshares Inc
$241M
total assets, June 30, 2026
$241M
total assets, June 30, 2026
FirstOak Bank is a state member bank based in Independence, KS, owned by FNB Bancshares Inc. As of June 30, 2026 it held $241.2 million in assets and $212.3 million in deposits; assets were down 2.0% from a year before. It has 4 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$241M
-2.0% in a year · -1.7% in a quarter
Deposits
$212M
-2.9% in a year · -2.2% in a quarter
Loans
$187M
-2.1% in a year · -1.2% in a quarter
Profit so far
$1.6M
Jan 1 to Jun 30, 2026 · -29.0% in a year
Capital ratio
10.48%
+0.37 pts in a year
Return on assets
1.34%
-0.54 pts in a year
Facts
- Type
- State member bank
- Head office
- 113 N Penn Ave, Independence, KS, 67301
- County
- Montgomery
- Holding company
- FNB Bancshares Inc
- Established
- Jan 1, 1881
- Employees
- 44
- Branches
- 4 in 2 states
- Website
- www.firstoakbank.com
- Id
- b4660
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
4 offices as of June 30, 2026, holding $212.3 million in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Firstoak Bank (main office) | Independence, KS | $86.5M |
| Firstoak Bank-Pueblo Branch | Pueblo, CO | $72.1M |
| Fredonia Branch | Fredonia, KS | $53.7M |
| Drive-Thru Branch | Independence, KS | $0 |
Related pages
Questions and answers
How big is FirstOak Bank?
$241.2 million in total assets and $212.3 million in deposits as of June 30, 2026, with assets down 2.0% from a year before. Its loans were $187.1 million.
How many branches does FirstOak Bank have?
4 branches in 2 states as of June 30, 2026. The most deposits are in Kansas ($140.2 million).
Is FirstOak Bank profitable?
Yes: it earned $1.63 million from January 1 to June 30, 2026 (down 29.0% from the same months a year before). Its return on assets was 1.34% a year; about 1% is typical.
Who owns FirstOak Bank?
FirstOak Bank is owned by FNB Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.