FARMERS NATIONAL BANK

PHILLIPSBURG, KS | Small | Est. Feb. 26, 1921, midnight | FDIC #4611 | RSSD #137559 | OCC
Latest Report: 2025-12-31

FARMERS NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in PHILLIPSBURG, KS, established in Feb. 26, 1921, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $133M. Profitability stands at 1.17% ROA and 5.67% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 32.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 1.10%. FDIC Certificate #4611.

Assets

$168M

Deposits

$133M

Loans

$89M

Equity

$34M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 5.67%
Net Interest Margin (NIM) 4.02%
Yield on Assets 5.32%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio --
Texas Ratio 1.10%
NPA Ratio 0.23%
ACL / Loans 1.81%

Capital & Liquidity

CET1 Ratio 32.60%
Tier 1 Capital 32.60%
Total Capital Ratio 33.85%
Leverage Ratio 19.95%
Loan-to-Deposit 66.54%

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