BanksFARMERS STATE BANK, THE

FARMERS STATE BANK, THE

WESTMORELAND, KSSmallEst. Jan. 1, 1898, midnightFDIC #15164RSSD #615851FDIC
Latest · 2025-12-31

FARMERS STATE BANK, THE is an 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%. CET1 capital ratio: 12.96%, well above regulatory minimums. NPL ratio: 0.88% · Texas Ratio: 3.78%. Operates 3 domestic branches.

Assets
$235M
Deposits
$204M
Loans
$141M
Equity
$30M

Profitability

Return on Assets (ROA)0.81%
Return on Equity (ROE)6.33%
Net Interest Margin3.76%
Yield on Assets5.76%
Cost of Funds2.12%

Asset Quality

NPL Ratio0.88%
Net Charge-Off Ratio0.69%
Texas Ratio3.78%
NPA Ratio0.53%
ACL / Loans1.65%

Capital & Liquidity

CET1 Ratio12.96%
Tier 1 Capital12.96%
Total Capital Ratio13.60%
Leverage Ratio14.59%
Loan-to-Deposit69.10%

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