FARMERS STATE BANK, THE

WESTMORELAND, KS | Small | Est. Jan. 1, 1898, midnight | FDIC #15164 | RSSD #615851 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in WESTMORELAND, KS, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $204M. Profitability stands at 0.81% ROA and 6.33% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 12.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.88% and a Texas Ratio of 3.78%. FDIC Certificate #15164.

Assets

$235M

Deposits

$204M

Loans

$141M

Equity

$30M

Profitability

Return on Assets (ROA) 0.81%
Return on Equity (ROE) 6.33%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.76%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.88%
Net Charge-Off Ratio 0.69%
Texas Ratio 3.78%
NPA Ratio 0.53%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 12.96%
Tier 1 Capital 12.96%
Total Capital Ratio 13.60%
Leverage Ratio 14.59%
Loan-to-Deposit 69.10%

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