Firstoak Bank is a bank based in Independence, Kansas, established in 1881, with $245 million in total assets across 4 branches. By Trust Grade it ranks 63rd of 186 banks we track in Kansas. Its capital ratio of 10.5% is stronger than 56% of similarly sized banks, versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 1.39% return on assets. No consumer complaints against Firstoak Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Firstoak Bank compares to Kansas peers
How we graded Firstoak Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.5% capital ratio)
- Strongly profitable (ROA 1.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Firstoak Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 1801 W Main St, Independence, KS 67301
- 113 N Penn Ave, Independence, KS 67301
- 1419 W Us Highway 50, Pueblo, CO 81008
- 501 Madison St, Fredonia, KS 66736
Are deposits at Firstoak Bank insured?
Yes. Firstoak Bank is an FDIC-insured bank (FDIC certificate #4660). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Firstoak Bank: frequently asked questions
Is Firstoak Bank a good bank?
Firstoak Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.5% capital ratio); Strongly profitable (ROA 1.39%).
Is Firstoak Bank FDIC-insured?
Yes. Firstoak Bank is a FDIC-insured bank (FDIC certificate #4660). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Firstoak Bank?
Firstoak Bank holds $245 million in total assets, ranking 63rd of 186 banks we track in Kansas. It operates 4 branches.
Does Firstoak Bank have CFPB complaints?
No CFPB complaints against Firstoak Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
