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First Bank Sterling, KS

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First Bank Sterling, KS Rates & Review September 2026

Q: How many branches does First Bank Sterling, KS operate?

First Bank Sterling, KS currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank Sterling, KS provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

First Bank Sterling, KS rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First Bank Sterling, KS, and you can see how they compare in the First Bank Sterling, KS rate tables below. MonitorBankRates evaluates the financial stability of First Bank Sterling, KS with a 2.2 Star Rating, an F Overall Health Grade, and a Texas Ratio of 48.12%. Database rates last updated and verified on 09/19/2026.

First Bank Sterling, KS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank Sterling, KS? Share your experience about First Bank Sterling, KS by leaving a review below, or read customer reviews before you decide to use First Bank Sterling, KS.

Overall Health & Safety Grade

High Risk Health Score: 48/100

MonitorBankRates Rating

2.2

Average Out of 5.0 Stars

Texas Ratio

48.12%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Bank

128 S Broadway Ave
Sterling, KS 67579

https://www.first-bank.net

First Bank Sterling, KS Checking Rates

Product	Rate	APY	View More
First Premier Checking Account (Powered by BaZing)	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details BaZing Savings: Cell phone protection: Receive up to $200 per claim ($400 per year) if your cell phone is broken or stolen. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.) Identity theft protection: Includes payment card protection, $2,500 in personal identity protection and identity theft aid. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.) Roadside assistance: Available 24/7 and free to use, up to $80 in service charges. $10,000 Travel accidental death coverage: Peace of mind for the unexpected. (Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.) Pharmacy, vision and hearing savings: Save money on prescriptions, eye exams, frames, lenses and hearing services. Account Fees: $10.00 monthly service charge if minimum daily balance falls below $2,500.00 during a statement cycle. No service charge if minimum daily balance is $2,500.00 or greater during a statement cycle. Last Updated 09/19/2026 Institution Ratings 2.2 Star Rating F Health Grade ◈ Texas Ratio: 48.12%

First Bank Sterling, KS Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Cash Checking	-	-	2.25%
Min Deposit $50 Details Qualifications Required: 2.25% APY* on balances up to $20,000; 2.25% to 0.71% APY on balances over $20,000 depending on balance in account; 0.05% APY if qualifications aren't met; - 2.25% APY* on balances up to $20,000 - 2.25% to 0.71% APY on balances over $20,000 depending on balance in account* - 0.05% APY* if qualifications aren't met Refunds on ATM Withdrawal Fees: Up to $25 monthly* Last Updated 09/19/2026 Institution Ratings 2.2 Star Rating F Health Grade ◈ Texas Ratio: 48.12%
Kasasa Cash Checking	-	-	2.25%
Min Deposit $50 Details Qualifications Required: At least 12 debit card purchase transactions; Be enrolled in and agree to receive E-Statements; Be enrolled in and login to Online Banking at least once per cycle; APY on balances up to $20,000; 2.25% to 0.71% APY on balances over $20,000 depending on balance in account; 0.05% APY if qualifications aren't met; Refunds on ATM Withdrawal Fees Up to $25 monthly Last Updated 09/19/2026 Institution Ratings 2.2 Star Rating F Health Grade ◈ Texas Ratio: 48.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Bank Sterling, KS’s Texas Ratio rose from 6.37% in Q3 2023 to 48.12% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.2 and its Health Grade from A to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$162M	48.12%	2.2	F
March 31, 2026	$156M	34.01%	3.4	D
December 31, 2025	$152M	33.17%	3.5	D
September 30, 2025	$157M	4.29%	5.0	A+
June 30, 2025	$157M	4.74%	5.0	A+
March 31, 2025	$158M	4.29%	5.0	A+
December 31, 2024	$151M	4.63%	5.0	A+
September 30, 2024	$155M	4.13%	5.0	A+
June 30, 2024	$146M	5.23%	5.0	A+
March 31, 2024	$147M	6.07%	5.0	A
December 31, 2023	$144M	0.96%	5.0	A+
September 30, 2023	$153M	6.37%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Bank Sterling, KS is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Bank Sterling, KS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Bank Sterling, KS's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Bank Sterling, KS

Bank Holding Company CORONADO INC

Address 128 S Broadway Ave, Sterling, KS 67579 · Rice

Website https://www.first-bank.net

FDIC Certificate # 16473

Established 19070101

FDIC Insurance Date 19460826

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 48/100

2.2

Average Out of 5.0 Stars

48.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0590%

Return on Equity (ROE) 8.8600%

Non-Performing Loans (NPL) 5.57%

Total Assets $162,379,000

Total Deposits $124,324,000

Equity Capital $18,783,000

Net Income $831,000

Headquarters Sterling

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About First Bank Sterling, KS

How many branches does First Bank Sterling, KS operate?

First Bank Sterling, KS currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Bank Sterling, KS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank Sterling, KS provides members with tools to manage their accounts and build a solid financial history.

Does First Bank Sterling, KS offer online and mobile banking?

Most modern institutions like First Bank Sterling, KS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.first-bank.net.