Farmers National Bank (Phillipsburg, KS)
BankRegReports is independent of Farmers National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Farmers National Bank is an FDIC-insured commercial bank headquartered in Phillipsburg, KS, established in 1921 (FDIC certificate 4611), and it is supervised by the OCC. At Q2 2026 it reported total assets of $172.5M, up 7.3% from Q2 2025, the 109th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 36.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4611
- Headquarters
- Phillipsburg, KS
- Established
- 1921
- Total assets, Q2 2026
- $172.5M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 36.53%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101113867
- Latest call report
- Q2 2026, FFIEC 051 · Farmers National Bank call report
- Asset rank in state
- 109th of 182 in Kansas
Farmers National Bank carries far more capital than most banks of its size. It reported $173 million in assets at June 30, 2026, up 7.3% from a year earlier. It holds common equity equal to 36.53% of its risk-weighted assets, 2.4 times the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 30% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 0.2% and deposits rose 7.4%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.41% of loans, down from 0.53% a year earlier. Profitability lags: it returns 5.6% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Farmers National Bank reported a CET1 capital ratio of 36.53%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
Farmers National Bank ranks as the 109th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $172.5M, loans rose 2.0% and deposits fell 2.9%. Farmland and other real estate loans made up 27.5% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 24.0%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in KS; its Phillipsburg office books 44% of its branch deposits. Judged on its Q2 2026 call report, Farmers National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 759 State St, Phillipsburg, KS 67661
- County
- Phillips
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 26, 1921
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $136.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $172.6M
- Average total loans
- $81.7M
- Average interest-bearing deposits
- $100.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4611
- Fed RSSD
- 137559
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers National Bank's total assets ranged from $160.8M (Q2 2025) to $176.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$172.5M total assets against $160.8M; $137.3M total liabilities against $127.8M.
$83.4M net loans and leases against $83.6M; $136.7M total deposits against $127.2M.
$70.5M securities against $57.9M; $13.7M cash and balances due against $14.5M.
$2.0M total interest income against $1.9M; $504K total interest expense against $488K.
$1.5M net interest income against $1.4M.
$153K total noninterest income against $150K; $847K total noninterest expense against $825K.
$0 provision for credit losses against $60K.
$488K net income against $525K.
1.13% return on assets against 1.30%; 3.61% net interest margin against 3.69%.
36.53% CET1 capital ratio against 32.97%; 19.63% tier 1 leverage ratio against 19.48%.
Inside the full Farmers National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers National Bank rankings
Its closest position to the top of a national ranking is 36 of 2,134, for CET1 ratio; its furthest is 3,152 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q4 2024) to 1.58% (Q3 2025) and its net interest margin ran from 3.39% (Q3 2024) to 3.90% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 36.53% | 1.13% | 0.41% | 0.99% | 3.61% |
| Q1 2026 | 36.28% | 1.53% | 0.46% | 1.11% | 3.61% |
| Q4 2025 | 32.60% | 1.17% | 0.44% | 1.15% | 3.90% |
| Q3 2025 | 32.28% | 1.58% | 0.48% | 1.27% | 3.87% |
| Q2 2025 | 32.97% | 1.30% | 0.53% | 1.37% | 3.69% |
| Q1 2025 | 31.87% | 1.45% | 0.57% | 1.49% | 3.49% |
| Q4 2024 | 30.99% | 0.21% | 0.60% | 1.61% | 3.50% |
| Q3 2024 | 30.19% | 1.04% | 0.58% | 1.64% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers National Bank (main office) | Phillipsburg , KS | 67661 | $60.0M |
| Kensington Branch | Kensington , KS | 66951 | $27.6M |
| Atwood Branch | Atwood , KS | 67730 | $26.4M |
| Farmers National Bank (main office) | Stockton , KS | 67669 | $14.8M |
| Logan Branch | Logan , KS | 67646 | $7.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1994 | Structure Change | Acquired The First National Bank of Kensington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 135 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $310K approved, $310K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Farmers National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Farmers National Bank
What are Farmers National Bank's total assets?
As of the Q2 2026 filing, Farmers National Bank reported total assets of $172.5 million in its FFIEC call report.
Where is Farmers National Bank headquartered?
It is headquartered in Phillipsburg, KS, United States.
When was Farmers National Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Farmers National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4611). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers National Bank?
Farmers National Bank's primary federal regulator is the OCC.
What is Farmers National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 36.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers National Bank's Texas Ratio?
Its Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Farmers National Bank.
Get an email when Farmers National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Farmers National Bank, freeFree account