First National Bank of Kansas

What First National Bank of Kansas does

First National Bank of Kansas is a privately held, FDIC-insured national bank founded in 1902 and headquartered in Burlington, Kansas. The bank operates three branch locations across Burlington (headquarters), Osage City, and Waverly, and serves personal, business, and agricultural customers with a full-service community banking model emphasizing local decision-making and long-tenured community presence. The customer base spans individual consumers (checking, savings, money market, CDs, IRAs, credit cards, mortgages, auto and personal loans), small businesses (Blue Business Checking, business savings, money market, business CDs, ACH origination, wire transfers), and the agricultural sector (livestock, crop, equipment, commercial real estate, SBA, and business term loans).

The technology stack is built primarily on third-party vendor infrastructure. Fiserv powers the FNB of Kansas Mobile app, providing real-time account access, mobile deposits, fund transfers, bill payments, and alerts. Mobiliti delivers debit card management features including card on/off toggles, transaction controls by merchant category and geography, and fraud alerts. The website is WCAG 2.1/2.2 Level AA certified through AudioEye and integrates with Quicken, Microsoft Money, QuickBooks, and Microsoft Excel for transaction data export. Visa is the card-network partner for debit and credit products, and Bankers Bank of Kansas processes incoming wire transfers.

Revenue is generated principally through interest income on the lending portfolio (mortgages, auto, personal, agriculture, commercial real estate, equipment, SBA, business term), supplemented by banking service fees (wire transfers, cashier's checks at $5/$15, money orders at $3/$10, ACH origination at $5 per file, safe deposit boxes), account-related fees (Blue Business Checking $3/mo, NOW account $7.50/mo unless $1,500 minimum balance maintained, Blue Secure Premier $5.95/mo), and deposit-based revenue across NOW, money market, CD, and IRA products. Distribution combines physical branches and ATM network with 24/7 online, mobile, and telephone banking; the bank does not disclose total assets, deposit base, or revenue.

Name

First National Bank of Kansas

Legal name

First National Bank of Kansas

Website

https://fnbofks.bank

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

11–50 employees

Short description

First National Bank of Kansas is a privately held, FDIC-insured community bank founded in 1902, serving personal, small business, and agricultural customers through three branches in Burlington, Osage City, and Waverly, Kansas, with Fiserv-powered digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking
• Personal banking
• Business banking
• Agriculture lending
• Mortgage lending

Headquarters

HQ city

Burlington

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest earned on loans including mortgages, auto loans, personal loans, agriculture loans, commercial real estate loans, equipment loans, and SBA loans. Competitive rates offered for various lending products.
2. Banking Service Fees: Fees from wire transfers, safe deposit boxes, cashier's checks, money orders, ACH origination, notary services, and other ancillary banking services. Specific fees include $5 for cashier's checks to customers, $15 to non-customers, $3 for money orders to customers.
3. Account-related Revenue: Monthly service charges on checking and savings accounts, overdraft fees, and dormant account fees. Blue Business Checking charges $3 monthly; NOW accounts charge $7.50 monthly unless $1,500 minimum balance maintained.
4. Deposit-based Revenue: Revenue generated from deposit accounts including NOW accounts, Money Market accounts, Certificates of Deposit, Individual Retirement Accounts (IRAs), and Christmas Club accounts with various minimum balance requirements and fee structures.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

First National Bank of Kansas is a community bank that accepts deposits (personal and business checking, savings, money market, CDs, IRAs) and originates loans (mortgages, auto, personal, agriculture, commercial real estate, equipment, SBA, and business term loans), with Visa-branded credit and debit cards, plus ancillary services such as wire transfers, ACH origination, and safe deposit boxes. Customers access the bank through three Kansas branches, online banking, a Fiserv-powered mobile app, ATMs, and 24-hour telephone banking.

Product overview

First National Bank of Kansas offers a comprehensive suite of banking products and services as a community bank serving Kansas since 1902. The portfolio includes personal and business deposit accounts (checking, savings, money market, and CDs), retirement accounts (Traditional and Roth IRAs), lending products (mortgage, auto, personal, agriculture, commercial real estate, equipment, SBA, and business term loans), credit cards (Visa Platinum Preferred with rewards and Classic), and business services (wire transfers, ACH origination, safe deposit boxes). The bank's digital banking platform provides 24/7 online and mobile access through its Mobiliti app, enabling account management, bill payment, mobile deposits, and debit card controls. Key personal checking products include Eagle Premier Checking (4.00% APY), Eagle Checking (refunds up to $9/month), and Blue Secure variants with security features. Business offerings include Blue Business Checking, business CDs with Jump Rate options, and SBA loans. The bank operates three physical locations in Burlington, Osage City, and Waverly, Kansas, while providing nationwide and international services.

Differentiator

Problem solved

Functional benefit

Products and services

• Eagle Checking Account A personal checking account that refunds up to $9 per month based on meeting eligibility requirements including 12 debit card purchases, online/mobile banking usage, and ACH credits totaling $500.
• Eagle Premier Checking Account A premium personal checking account paying 4.00% APY on balances up to $20,000 with ATM fee refunds up to $25 per month when eligibility requirements are met.
• Blue Secure Checking A personal checking account with added security benefits including cell phone protection and ID theft protection services.
• Blue Secure Premier Checking A premium checking account with security benefits plus competitive interest when maintaining a $3,000 minimum average daily balance, featuring cell phone protection and identity theft protection.
• Kwik Cash Account A monthly payroll direct deposit account where withdrawals are limited to the amount of each direct deposit received.
• NOW Account An interest-earning checking account requiring a $1,500 minimum average daily balance to earn competitive interest and avoid monthly service fees.
• Money Market Account (Personal) A personal money market savings account with competitive tiered interest rates for consumer accounts.
• Blue Checking A basic personal checking account with unlimited check writing and no monthly service fees, requiring eStatements.
• Eagle Premier / Eagle Saver Accounts Variable rate savings accounts that pay up to 1.00% APY when linked to Eagle Premier or Eagle Checking accounts and eligibility requirements are met.
• Regular Savings Account A personal savings account earning competitive interest with a $100 minimum average daily balance to avoid dormancy fees.
• Children's Savings A savings account available to children and teens under age 18 that teaches savings habits while earning quarterly interest.
• Christmas Club Account A dedicated savings account for holiday expenses with automatic monthly deposits and funds released on November 1st.
• Certificates of Deposit (CDs) - Personal Fixed-rate deposit accounts with terms ranging from 91 days to 60 months, offering higher rates than regular savings with no setup or maintenance fees.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts available in Traditional and Roth options with no setup or monthly fees.
• Home Mortgage Loans Home purchase, refinance, and construction financing including conventional mortgages, ARMs, USDA Rural Housing, FHA, VA loans, and first-time home buyer programs.
• Auto Loans Competitive fixed-rate financing for new or used vehicles with flexible terms and pre-approval available. Also covers recreational vehicles including motorcycles, boats, campers, and ATVs.
• Personal Term Loans Fixed-rate personal loans for various needs including vehicle repairs, vacations, and debt consolidation, available in secured and unsecured options.
• Personal Credit Cards Visa credit cards including Platinum Preferred (with rewards points) and Classic options with no annual fees and worldwide acceptance.
• Business Credit Cards Visa business credit cards with features including eZBusiness management, Zero Liability protection, extended warranty, auto rental insurance, and travel emergency services.
• Debit Cards Visa debit cards providing worldwide purchasing power with 24/7 ATM access, secure PIN protection, and integration with the Mobiliti mobile app for card management.
• Blue Business Checking A flexible business checking account with unlimited transactions, earning credits based on balance to offset fees, and free Visa debit card.
• Business Regular Savings Account A business savings account earning competitive interest paid quarterly, with a $100 minimum balance to avoid monthly fees.
• Business Money Market Account A business money market account with competitive tiered interest requiring a $2,500 minimum average daily balance, with up to 6 transfers/withdrawals per month.
• Business Certificates of Deposit (CDs) Fixed-rate business CDs with terms from 3 months to 5 years, $1,000 minimum deposit, and Jump Rate option allowing rate changes during term.
• Agriculture Loans Competitive rate financing for agribusiness needs including livestock (feed-lot cattle, dairy, cow/calf operations) and crops, with flexible terms and revolving credit lines.
• Commercial Real Estate Loans Financing for purchase, refinance, or construction of commercial properties with competitive rates and local lending expertise.
• Equipment Loans Financing for new or used equipment purchases with flexible terms, allowing businesses to meet needs without depleting working capital.
• Business Term Loans Competitive rate financing for business expenses including machinery and facility improvements, with terms relative to asset economic life.
• Small Business Administration (SBA) Loans Government-assisted loans for start-ups and business purchases/refinancing, offering lower down payments and extended terms for businesses that may have difficulty qualifying.
• Digital Banking Online and mobile banking platform offering 24/7 account access, fund transfers, bill payment, eStatements, and mobile check deposit through the Mobiliti app.
• Mobiliti Debit Card Management Mobile app feature allowing users to turn debit cards on/off, set transaction controls, receive alerts, view balances, and manage fraud alerts in real time.
• Wire Transfer Services Domestic and international wire transfer capabilities with same-day processing for requests received before 3:00 PM Central Time.
• Safe Deposit Boxes Secure storage for valuables protected against flood, fire, or theft with dual-controlled access requiring both customer and bank signatures.
• ACH Origination Electronic payment processing service allowing businesses to pay employees and process customer payments, with a $5 fee per file.
• Financial Calculators Interactive online calculators for auto loans, home equity vs. auto loans, lease vs. buy decisions, debt payoff, credit card payoff, annuities, HSA savings, and life insurance.

Quantifiable outcome

• Eagle Premier Checking offers 4.00% APY on balances up to $20,000
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• FiservcoreTechnology or IntegrationFiserv provides the mobile banking technology powering the FNB of Kansas Mobile app, enabling real-time account access, mobile deposits, fund transfers, bill payments, and card management features for customers.
• Bankers Bank of KansascoreTechnology or IntegrationBankers Bank of Kansas serves as the receiving bank for incoming wire transfers to First National Bank of Kansas, facilitating domestic and international wire transfer processing for customers.
• VisacoreTechnology or IntegrationVisa provides debit and credit card network services for the bank's card products, including Visa Platinum Preferred rewards cards, Visa Classic credit cards, and business credit cards with zero liability protection and extended warranty benefits.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cornerstone Bank: Small community bank in the central U.S. offering personal, business, and agricultural lending with a branch-based community model. Comparable small-town community-bank profile.
• First Heritage Bank: Independent community bank providing personal, business, and agricultural lending in rural markets. Comparable small-scale community banking franchise and product offering.
• Emprise Bank: Kansas community bank headquartered in Wichita with personal, business, and commercial real estate lending. Comparable independent community-bank operating model and Kansas footprint.
• CoreFirst Bank & Trust: Kansas-based community bank offering personal, business, and agricultural lending with multiple Kansas branches. Comparable in product breadth and community-bank positioning to First National Bank of Kansas.
• Community National Bank & Trust: Small community bank offering personal and business banking with agricultural and commercial real estate lending. Comparable scale, structure, and product mix to First National Bank of Kansas.

Broad incumbents

• Sunflower Bank: Kansas-rooted community and commercial bank with multi-state footprint and full suite of personal/business banking. Direct competitor for Kansas deposit and agricultural lending relationships.
• Capitol Federal Financial: Topeka-headquartered bank with deep Kansas retail presence, mortgage focus, and broad deposit product set. Larger and publicly traded, but operates in the same Kansas community-banking space.
• UMB Bank: Kansas City-headquartered regional bank with significant Kansas presence in commercial, ag, and treasury services. Larger incumbent competitor for business and ag deposits.
• INTRUST Bank: Wichita-based regional bank with strong Kansas presence across personal, commercial, and ag lending. Comparable product breadth but significantly larger scale.

Regional players

• Equity Bank: Community bank with Kansas and regional Midwest presence, offering consumer and commercial banking including agricultural lending. Comparable mid-size community-bank competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubevimeo.com/firstnationalbankofkansas
• Facebookfacebook.com/fnbofkansas
• Xx.com/nationalkansas

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First National Bank of Kansas