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Farmers State Bank

under $100M Specialty: Agricultural KS FDIC cert 14344

Designations: ✓ Community bank

Phillipsburg, KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
  • Deposits +13.6% year over year ($36.2M on the books).
  • Delinquency rate 1.35%.
  • Return on assets 0.96%.
  • Efficiency ratio 73.21% vs a 119.40% peer average.
  • Loan-to-deposit ratio 61.20% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 48 in KS
View under $100M leaderboard (KS) →

Farmers State Bank has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 46.18% below tier average
  • + Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.19% below tier average
Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $42.8M
+7.6% YoY +0.7% QoQ
-$19.6M $62.4M
-0.0% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $22.2M
-1.5% YoY +1.9% QoQ
-$12.7M $34.9M
-0.6% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $36.2M
+13.6% YoY +3.3% QoQ
-$15.4M $51.6M
-0.2% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.96%
+11.3% YoY +20.7% QoQ
-0.04% 1.00%
+3.5% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 3.73%
+7.7% YoY +3.3% QoQ
-0.19% 3.91%
+2.3% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 73.21%
-2.6% YoY -6.1% QoQ
-46.18% 119.40%
+49.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 1.35%
-27.8% YoY +9.9% QoQ
-0.14% 1.48%
+31.8% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 61.20%
-13.3% YoY -1.3% QoQ
-13.01% 74.21%
+12.6% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 25.76%
+16.8% YoY -2.8% QoQ
+2.27% 23.49%
+0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.70%
-33.9% YoY +11.3% QoQ
-0.14% 0.84%
+23.0% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 11.73%
-4.4% YoY -0.7% QoQ
-15.39% 27.13%
+3.0% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.14%
-11.5% YoY +95.3% QoQ
-1.24% 1.38%
+6.3% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 25.8%
+3.7pp YoY
-0.7pp QoQ
 +1.1pp 24.6% 22.3% 22.2% 59%
Brokered Deposits n/a n/a 9.8% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 7.9%
-0.5pp YoY
-0.6pp QoQ
 -5.5pp 13.4% 12.6% 12.5% 38%
CRE n/a n/a 25.2% 28.8% 41.4% n/a
1-4 Family 25.5%
+2.3pp YoY
-0.4pp QoQ
 -9.5pp 35.0% 26.7% 31.3% 45%
Consumer 12.3%
+3.5pp YoY
+0.9pp QoQ
 +4.6pp 7.7% 4.6% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 23.3% 19.7% n/a
Leverage Ratio 11.7%
-0.5pp YoY
-0.1pp QoQ
 -6.0pp 17.7% 12.6% 12.6% 37%
Total Capital Ratio n/a n/a 39.7% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 5
0 YoY
0 QoQ
 -7 12 70 482 7%
Assets per Employee ($) $8.6M
+7.6% YoY
+0.7% QoQ
 +$2.4M $6.2M $7.1M $8.8M 85%
Branch Count 1
0 YoY
0 QoQ
 -1 1 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.4% 0.4% n/a
Nonaccrual 1.3%
-0.5pp YoY
+0.1pp QoQ
 -0.4pp 1.7% 0.8% 1.0% 64%
Allowance Coverage 1.33x
+34.8% YoY
-13.8% QoQ
 -5.08x 6.41x 22.44x 20.23x 50%
Net Charge-off Rate (YTD) -0.0%
+0.2pp YoY
 -0.2pp 0.2% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 10.0%
+0.1pp YoY
+1.8pp QoQ
 +3.6pp 6.4% 14.3% 11.6% 61%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.4% 1.6% 1.7% 68%
Net Income ($, YTD) $202,000
+19.5% YoY
— QoQ
 -$116K $317,817 $3.7M $40.4M 37%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

433
Tier 1 Capital Ratio
capital
Value: 11.73%
Peer Median: 27.13%
#433 of 536 Bottom 19.4% in under $100M
410
Total Assets
size
Value: $42.80M
Peer Median: $62.44M
#410 of 536 Bottom 23.7% in under $100M
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