Applications / Mortgage Analytics / Lenders / Kansas / First State Bank and Trust
Tonganoxie, KS · State non-member bank · FDIC · $481 million assets · 132 loans in 2025
First State Bank and Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
132
loans originated, 2025
178
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank and Trust, of Tonganoxie, Kansas, ranks 13 of 222 lenders in Lawrence, KS, a market it has served since at least 1990.
In Lawrence, KS it ranked 13 of 222 lenders, with a 1.8% share, down from 2.1%. Mid America Bank leads that market. Its lower dollar volume, or a market that grew faster around it, may explain the slip. In Kansas City it ranked 121 of 659, with 0.2%.
It made 132 loans, up 9%, close to the 10% at similar lenders, state non-member banks making between half and twice as many loans. Yet its dollar volume fell to $39.3 million from $47.3 million, even as its typical loan rose to $205,000. It may have made fewer of its largest loans than in 2024. It made 389 in 2020.
Borrowers of low and moderate income (LMI) took 34.6% of its loans, against 27.9% at similar lenders, more than at about seven in ten of them. Poorer neighborhoods took 16.2%, near those lenders' 17.6%. Purchases made up 60.6% of its loans and refinances 26.5%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First State Bank and Trust took 178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.6% · Refinance 26.5% · Home improvement 7.6% · Other 5.3%
Conventional 100.0% · of 132 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 125 | 94.7% |
| Missouri | 7 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 85 |
| Lawrence | 31 |
| Topeka | 14 |
| Wichita | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R8LYY54XS86414 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 605656 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314974 | 1990–2017 |
Established 22 December 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First State Bank and Trust's data.
First State Bank and Trust's data
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First State Bank and Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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