FARMERS STATE BANK

WATHENA, KS | Micro | Est. May 3, 1903, midnight | FDIC #16941 | RSSD #72351 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in WATHENA, KS, established in May 3, 1903, midnight. As of 2025-12-31, the bank reported total assets of $81M and total deposits of $74M. Profitability stands at 0.30% ROA and 3.44% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 8.74%. Asset quality metrics show a non-performing loan ratio of 1.03% and a Texas Ratio of 5.41%. FDIC Certificate #16941.

Assets

$81M

Deposits

$74M

Loans

$45M

Equity

$7M

Profitability

Return on Assets (ROA) 0.30%
Return on Equity (ROE) 3.44%
Net Interest Margin (NIM) 4.26%
Yield on Assets 5.47%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 1.03%
Net Charge-Off Ratio -0.12%
Texas Ratio 5.41%
NPA Ratio 0.57%
ACL / Loans 3.29%

Capital & Liquidity

CET1 Ratio 8.74%
Tier 1 Capital 8.74%
Total Capital Ratio 9.18%
Leverage Ratio 13.90%
Loan-to-Deposit 60.72%

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