Farmers State Bank (Fairview, KS)
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank is an FDIC-insured commercial bank headquartered in Fairview, KS, established in 1929 (FDIC certificate 15853), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $26.6M, up 0.7% from Q2 2025, the 176th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15853
- Headquarters
- Fairview, KS
- Established
- 1929
- Total assets, Q2 2026
- $26.6M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 15.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101112716
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Asset rank in state
- 176th of 182 in Kansas
Problem loans are rising at Farmers State Bank. Based in Fairview, Kansas, it had $27 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.03% a year earlier. It lost 5.8% of its deposits over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.5%). It also returns 16.3% a year on shareholders' equity, about double the median of 8.6% for banks its size.
Earnings jumped: net income for the quarter was $107,000, 47% above the same quarter a year earlier. Over the same year, loans grew 8.6% and deposits shrank 5.8%. Where it has less room is capital: it funds 10.20% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Farmers State Bank reported a CET1 capital ratio of 15.11%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 3.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank is the 176th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.6% to $26.6M, loans rose 12.0% and deposits fell 3.7%. Farmland and other real estate loans made up 38.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 35.2%. Its one office in the FDIC Summary of Deposits is in Fairview, KS. By the capital ratios in its Q2 2026 call report, Farmers State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 412 W Commercial St, Fairview, KS 66425
- County
- Brown
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 14, 1929
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $21.2M
- Allowance for credit losses
- $154K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $26.2M
- Average total loans
- $13.1M
- Average interest-bearing deposits
- $16.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 1941
- FDIC Cert
- 15853
- Fed RSSD
- 652959
- Website
- www.fsbfairview.com →
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 State Bank's total assets ranged from $24.0M (Q1 2025) to $28.8M (Q4 2023), 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
$26.6M total assets against $26.4M; $23.9M total liabilities against $23.9M.
$13.7M net loans and leases against $12.6M; $21.2M total deposits against $22.5M.
$5.3M securities against $6.3M; $6.9M cash and balances due against $6.9M.
$315K total interest income against $281K; $72K total interest expense against $68K.
$243K net interest income against $213K.
$9K total noninterest income against $6K; $141K total noninterest expense against $148K.
$0 provision for credit losses against $0.
$107K net income against $73K.
1.63% return on assets against 1.18%; 3.91% net interest margin against 3.66%.
15.11% CET1 capital ratio against 14.74%; 10.20% tier 1 leverage ratio against 10.03%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.32% (Q4 2025) to 1.63% (Q2 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.11% | 1.63% | 0.66% | 3.25% | 3.91% |
| Q1 2026 | 15.78% | 1.40% | 0.00% | 0.00% | 3.62% |
| Q4 2025 | 13.83% | 0.32% | 3.36% | 17.79% | 3.74% |
| Q3 2025 | 14.90% | 0.98% | 0.44% | 2.15% | 3.68% |
| Q2 2025 | 14.74% | 1.18% | 0.03% | 0.15% | 3.66% |
| Q1 2025 | 15.15% | 0.60% | 0.31% | 1.46% | 3.28% |
| Q4 2024 | 13.03% | 0.72% | 0.10% | 0.50% | 3.38% |
| Q3 2024 | 15.15% | 0.68% | 0.11% | 2.00% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Farmers State Bank | Fairview , KS | 66425 | $21.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 218 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers State Bank
What are Farmers State Bank's total assets?
As of the Q2 2026 filing, Farmers State Bank reported total assets of $26.6 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Fairview, KS, United States.
When was Farmers State Bank founded?
It was established in 1929, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15853). 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 FDIC.
What is Farmers State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers State Bank's Texas Ratio?
Its Texas Ratio is 3.25% 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.
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