FARMERS STATE BANK

PHILLIPSBURG, KS | Micro | Est. Jan. 1, 1909, midnight | FDIC #14344 | RSSD #603559 | FED
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in PHILLIPSBURG, KS, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $41M and total deposits of $33M. Profitability stands at 0.83% ROA and 8.54% ROE, with a net interest margin of 3.52%. The bank's CET1 capital ratio is 10.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.87% and a Texas Ratio of 9.07%. FDIC Certificate #14344.

Assets

$41M

Deposits

$33M

Loans

$22M

Equity

$4M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 8.54%
Net Interest Margin (NIM) 3.52%
Yield on Assets 5.55%
Cost of Funds 2.67%

Asset Quality

NPL Ratio 1.87%
Net Charge-Off Ratio -0.10%
Texas Ratio 9.07%
NPA Ratio 1.00%
ACL / Loans 1.88%

Capital & Liquidity

CET1 Ratio 10.04%
Tier 1 Capital 10.04%
Total Capital Ratio 10.54%
Leverage Ratio 12.02%
Loan-to-Deposit 66.08%

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