CoreFirst Bank & Trust
Topeka, Kansas, Shawnee County
$1.3B in total assets, the 885th largest of 4,309 US banks and 14th of 185 headquartered in Kansas.
- FDIC certificate
- 18100
- Established
- 1959
- Owned by
- Commerce B&t Holding Employee Stk Ownership Plan
- Primary regulator
- FDIC
- Website
- www.cbtks.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 32% | $1.6B | |
| Loans | $891M | 37% | $1.1B | |
| Deposits | $1.1B | 32% | $1.3B | |
| Return on assets | 1.57% | 74% | 1.40% | |
| Net interest margin | 3.81% | 42% | 3.87% | |
| Efficiency ratio | 64.3% | 84% | 59.1% | |
| Equity to assets | 6.11% | 5% | 10.63% | |
| Loans to deposits | 84% | 53% | 81% |
Growth
Total assets grew 1.3% a year over the last 5 years and 3.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2007 | First United Bank, National Association Englewood, CO | $190M |
| Feb 1988 | Commerce Towne Bank Topeka, KS | $342K |
Where they operate
13 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Shawnee County, KS | $981M | 16.8% | 2 of 18 |
| Johnson County, KS | $66M | 0.2% | 44 of 60 |
| Arapahoe County, CO | $14M | 0.1% | 31 of 36 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 5 branches since 2016 (18 to 13, −27.8%). 1 opened, 0 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 18 | |||
| 2016 | Sold 2 branches to Community National Bank & Trust | 0 | 2 | −2 | 16 |
| 2017 | Opened Topeka | 1 | 0 | +1 | 17 |
| 2018 | Closed Manhattan | 0 | 1 | −1 | 16 |
| 2021 | Closed Shawnee | 0 | 1 | −1 | 15 |
| 2023 | Closed Topeka | 0 | 2 | −2 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 31% | |
| 1-4 family residential | 24% | 24% | |
| Business (C&I) | 18% | 14% | |
| Multifamily | 8% | 5% | |
| Construction and land | 7% | 8% | |
| Consumer | 3% | 2% | |
| Farmland | 0% | 8% | |
| Agricultural | 0% | 6% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 52% | |
| Noninterest-bearing | 22% | 22% | |
| Time deposits | 16% | 27% |
Brokered deposits are 0.0% of deposits (peers 5.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.21% | 0.62% |
| Net charge-offs, annualized | 0.10% | 0.05% |
| Reserves to loans | 1.02% | 1.29% |
| Leverage ratio | 8.66% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Shawnee County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/corefirst