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First National Bank and Trust Phillipsburg, KS

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First National Bank and Trust Phillipsburg, KS Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank and Trust Phillipsburg, 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: April 14, 2026

You can compare First National Bank and Trust Phillipsburg, KS rates to other rates in our database, including 12-month CD rates currently at 1.77%, 6-month CD rates at 3.43% and 3-month CD rates at 0.10%. Savings rates are at 0.75% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.99%. All these rates can be compared to First National Bank and Trust Phillipsburg, KS rates. MonitorBankRates evaluates the financial stability of First National Bank and Trust Phillipsburg, KS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.32%. Rates were last updated on 04/14/2026.

First National Bank and Trust Phillipsburg, 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 National Bank and Trust Phillipsburg, KS? Share your experience about First National Bank and Trust Phillipsburg, KS by leaving a review below, or read customer reviews before you decide to use First National Bank and Trust Phillipsburg, KS.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.32%

Excellent Higher than avg

First National Bank and Trust Phillipsburg, KS

225 State St
Phillipsburg, KS 67661

https://www.agbank.bank

First National Bank and Trust Phillipsburg, KS Credit Card Rates

Product	Rate	APR	View More
Visa® & MasterCard®	-	16.08%
Details Regular APR: 16.08% Last Updated 04/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank and Trust Phillipsburg, 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 National Bank and Trust Phillipsburg, 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 National Bank and Trust Phillipsburg, KS's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank and Trust Phillipsburg, KS

Bank Holding Company GOLDEN PLAINS BANKSHARES INC

Address 225 State St, Phillipsburg, KS 67661 · Phillips

Website https://www.agbank.bank

FDIC Certificate # 4756

Established 01/01/1884

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8572%

Return on Equity (ROE) 7.4600%

Non-Performing Loans (NPL) 1.01%

Total Assets $323,759,000

Total Deposits $272,030,000

Equity Capital $43,267,000

Net Income $4,514,000

Headquarters Phillipsburg

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First National Bank and Trust Phillipsburg, KS

Is First National Bank and Trust Phillipsburg, KS a safe place to deposit money?

Yes, First National Bank and Trust Phillipsburg, KS is considered a safe financial institution. With a Texas Ratio of 10.318765416482%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First National Bank and Trust Phillipsburg, KS operate?

First National Bank and Trust Phillipsburg, KS currently maintains approximately 6 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 National Bank and Trust Phillipsburg, 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 National Bank and Trust Phillipsburg, KS provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank and Trust Phillipsburg, KS offer online and mobile banking?

Most modern institutions like First National Bank and Trust Phillipsburg, 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.agbank.bank.