FARMERS STATE BANK OF OAKLEY, KANSAS, THE

OAKLEY, KS | Small | Est. March 17, 1907, midnight | FDIC #1867 | RSSD #278256 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK OF OAKLEY, KANSAS, THE is asn small FDIC-insured commercial bank headquartered in OAKLEY, KS, established in March 17, 1907, midnight. As of 2025-12-31, the bank reported total assets of $374M and total deposits of $286M. Profitability stands at 0.69% ROA and 5.79% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 12.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.46%. FDIC Certificate #1867.

Assets

$374M

Deposits

$286M

Loans

$254M

Equity

$45M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 5.79%
Net Interest Margin (NIM) 3.59%
Yield on Assets 6.55%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.46%
NPA Ratio 0.06%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 12.85%
Tier 1 Capital 12.85%
Total Capital Ratio 13.54%
Leverage Ratio 11.30%
Loan-to-Deposit 88.76%

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