Farmers State Bank
Asset quality shifted last quarter — NPLs fell to 1.70% from 2.37% in the prior period. Farmers State Bank is a small community bank chartered in 1909, based in Phillipsburg, KS. The Q1 2026 balance sheet stands at $43M in assets, including $22M in loans. Returns are in line with industry norms at 0.77% ROA and 8.28% ROE; net interest margin is 3.44%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.82% exceeds the 9% CBLR threshold. Asset quality merits closer attention with NPLs at 1.70%. The bank operates from a single office.
Headquarters Profile
- Address
- 110 W State St, PHILLIPSBURG, KS 67661
- County
- Phillips
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 11
- Established
- January 1, 1909
- Branches
- 1 domestic
- Employees (FTE)
- 5
- FDIC Cert
- 14344
- Fed RSSD
- 603559
- Parent Holding Company
- PHILLIPS HOLDINGS, INC. (RSSD 1989643)
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Farmers State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Farmers State Bank
What are Farmers State Bank's total assets?
As of the Q1 2026 filing, Farmers State Bank reported total assets of $42.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers State Bank headquartered?
Farmers State Bank is headquartered in PHILLIPSBURG, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers State Bank founded?
Farmers State Bank was established in 1909, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. Farmers State Bank is an FDIC-insured commercial bank (FDIC Certificate #14344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers State Bank?
Farmers State Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers State Bank operate?
Farmers State Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Farmers State Bank's Texas Ratio?
Farmers State Bank's Texas Ratio is 8.74% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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