FARMERS STATE BANK

DWIGHT, KS | Micro | Est. Jan. 1, 1921, midnight | FDIC #17632 | RSSD #976954 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in DWIGHT, KS, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $21M and total deposits of $18M. Profitability stands at -2.84% ROA and -28.50% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 9.71%. Asset quality metrics show a non-performing loan ratio of 2.06% and a Texas Ratio of 7.21%. FDIC Certificate #17632.

Assets

$21M

Deposits

$18M

Loans

$8M

Equity

$2M

Profitability

Return on Assets (ROA) -2.84%
Return on Equity (ROE) -28.50%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.03%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 2.06%
Net Charge-Off Ratio --
Texas Ratio 7.21%
NPA Ratio 0.76%
ACL / Loans 2.31%

Capital & Liquidity

CET1 Ratio 9.71%
Tier 1 Capital 9.71%
Total Capital Ratio 10.19%
Leverage Ratio 9.60%
Loan-to-Deposit 41.17%

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