Growth does not come easy for First National Bank and Trust Co. in Phillipsburg, Kan.

The $130 million-asset bank operates in a county with a declining population and where only 11% of area residents have attended college.

Limited Time Offer

Save $400 off your subscription. Special offer ends April 30, 2017.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.