First Nb in Fredonia Safety Rating
First Nb in Fredonia's safety rating is grade A, a Bank Health Score of 93/100 built from FDIC call report data. That ranks #619 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Nb in Fredonia's best component is Tier 1 capital (100/100) and its weakest is profitability (73/100).
This page answers a common banking-safety question: First Nb in Fredonia Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Nb in Fredonia Safety Rating Breakdown
- Overall rating
- Grade A (93/100)
- National rank
- #619 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 84/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 73/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places First Nb in Fredonia among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 16% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.27% | 100/100 |
| Nonperforming Loan Ratio | 0.79% | 84/100 |
| Liquidity Ratio | 65.97% | 100/100 |
| Return on Assets | 1.34% | 73/100 |
| Total Assets | $0.1B | |
How does First Nb in Fredonia compare?
With a Bank Health Score of 93/100, First Nb in Fredonia sits 13.0 points above the national average of 80/100 for FDIC-insured banks. Within Kansas, where 159 FDIC-insured banks are headquartered, First Nb in Fredonia ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 18.27% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.79% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb in Fredonia's Bank Health Score held roughly steady at 93/100. Tier 1 capital weakened by 17.04 percentage points to 18.27%. Quarter-over-quarter, the score rose by 2.0 points.
Frequently Asked Questions
First Nb in Fredonia's safety rating is grade A, a Bank Health Score of 93/100 built from FDIC call report data. That ranks #619 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Nb in Fredonia's best component is Tier 1 capital (100/100) and its weakest is profitability (73/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For First Nb in Fredonia: Tier 1 capital scores 100/100, loan quality 84/100, liquidity 100/100, and profitability 73/100 — combining to 93/100 (grade A).
First Nb in Fredonia's Bank Health Score of 93/100 is 11.0 points above the Kansas state average of 82/100. 159 FDIC-insured banks are headquartered in Kansas.
Yes. First Nb in Fredonia (FDIC certificate #13798) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Nb in Fredonia
First Nb in Fredonia's safety rating is grade A, a Bank Health Score of 93/100 built from FDIC call report data. That ranks #619 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Nb in Fredonia's best component is Tier 1 capital (100/100) and its weakest is profitability (73/100).