FARMERS STATE BANK, THE

HOLTON, KS | Micro | Est. Oct. 30, 1900, midnight | FDIC #15258 | RSSD #863652 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in HOLTON, KS, established in Oct. 30, 1900, midnight. As of 2025-12-31, the bank reported total assets of $82M and total deposits of $70M. Profitability stands at 1.56% ROA and 13.38% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 11.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 1.93%. FDIC Certificate #15258.

Assets

$82M

Deposits

$70M

Loans

$52M

Equity

$9M

Profitability

Return on Assets (ROA) 1.56%
Return on Equity (ROE) 13.38%
Net Interest Margin (NIM) 4.29%
Yield on Assets 6.18%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 1.18%
Texas Ratio 1.93%
NPA Ratio 0.23%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 11.45%
Tier 1 Capital 11.45%
Total Capital Ratio 12.02%
Leverage Ratio 13.42%
Loan-to-Deposit 73.82%

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