Question 1

What is First National Bank in Frankfort?

Accepted Answer

First National Bank in Frankfort is a community-focused national bank serving the rural Marshall County area of Kansas. With approximately $61 million in total assets and operating a single office location, the bank provides comprehensive banking services to residents, farmers, and businesses in Frankfort and surrounding northeast Kansas communities.

Operating as a federally-chartered national bank and subsidiary of First Frankfort Bancshares, Inc., the bank emphasizes personalized service and local decision-making. The institution maintains solid financial performance with a 0.61% return on assets and 12.35% return on equity.

Question 2

When was First National Bank in Frankfort founded?

Accepted Answer

First National Bank in Frankfort was established on March 2, 1921, and has been "Providing Complete Banking Service for over 104 years" as stated on its website. The bank was founded in the early 1920s during a period of agricultural expansion in Kansas, when local banks were essential to supporting farming communities.

Throughout its century-long history, the bank has evolved to meet changing customer needs while maintaining its commitment to community banking. The bank became FDIC-insured on January 1, 1934, shortly after the creation of federal deposit insurance. The main office relocated twice in recent decades—first to Main Street on March 20, 1990, and then to its current location at 124 North Kansas Avenue on December 30, 1996.

Question 3

Where is First National Bank in Frankfort headquartered?

Accepted Answer

First National Bank in Frankfort is headquartered at 124 North Kansas Avenue in Frankfort, Kansas. Frankfort is a small community located in Marshall County in the northeastern part of Kansas.

The downtown location provides convenient access for local customers and features a 24/7 ATM on the southeast exterior corner of the building facing Kansas Avenue.

Question 4

Where does First National Bank in Frankfort operate?

Accepted Answer

First National Bank in Frankfort operates exclusively from its single branch location in Frankfort, Kansas, serving Marshall County and surrounding northeast Kansas communities. The bank focuses on providing banking services to its local area, maintaining strong ties to the agricultural economy of the region.

While the bank maintains only one physical office, it extends its reach through online and mobile banking platforms, allowing customers throughout the area to access services remotely. The bank's routing number is 101113935 for electronic transactions.

Question 5

What services does First National Bank in Frankfort offer?

Accepted Answer

First National Bank in Frankfort offers a full range of personal and commercial banking services designed for its rural Kansas market. Services include various checking account options, savings accounts, certificates of deposit, Individual Retirement Accounts, and safe deposit boxes.

The lending department provides consumer loans, agricultural loans, commercial loans, and real estate financing. Digital services include online banking enrollment, mobile banking through a dedicated app, online check reordering, and bill pay services. The bank maintains convenient hours with lobby service Monday through Friday 8:30 AM to 3:00 PM and drive-up service including Saturday mornings. After-hours appointments are available upon request.

Additional services include debit cards with 24/7 support, wire transfers, direct deposit, automatic payments, night depository, and insurance products (home, auto, crop, and liability) through licensed agents.

Question 6

What makes First National Bank in Frankfort unique?

Accepted Answer

First National Bank in Frankfort distinguishes itself through over a century of continuous service to the same community, maintaining its independence while operating as a locally-focused subsidiary of First Frankfort Bancshares, Inc. This structure allows for local decision-making while providing additional capital support.

The bank's agricultural specialization enables it to understand the unique financial needs and cycles of farming operations in northeast Kansas. Its commitment to accessibility is evident through extended drive-up hours on Saturdays and availability for after-hours appointments by request—a level of flexibility uncommon in modern banking.

The bank actively participates in community events and maintains strong relationships with local organizations, embodying the traditional community bank model where banking is built on personal relationships spanning generations.

Question 7

What type of financial institution is First National Bank in Frankfort?

Accepted Answer

First National Bank in Frankfort is a national bank with federal charter, operating as a member of the Federal Reserve System and supervised by the Office of the Comptroller of the Currency (OCC). This charter type means the bank is organized under federal banking laws rather than state statutes.

As a federally-chartered commercial bank with agricultural specialization, it provides full-service banking with particular expertise in farm lending. Its national bank charter, combined with Federal Reserve membership, provides access to federal banking systems while allowing it to maintain its focus on serving the agricultural and commercial needs of rural northeast Kansas.

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