Farmers State Bank (Wathena, KS)
BankRegReports is independent of Farmers State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank is an FDIC-insured commercial bank headquartered in Wathena, KS, established in 1903 (FDIC certificate 16941), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $84.7M, up 7.3% from Q2 2025, the 146th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16941
- Headquarters
- Wathena, KS
- Established
- 1903
- Total assets, Q2 2026
- $84.7M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 13.64%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101104342
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Holding company
- WATHENA BANCSHARES, INC.
- Asset rank in state
- 146th of 182 in Kansas
Problem loans are rising at Farmers State Bank. Based in Wathena, Kansas, it had $85 million in assets at June 30, 2026, up 7.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.74% of loans from 0.01% a year earlier. It returns 16.8% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 6.8 times the median of 1.4% for banks its size.
Its $8.5 million commercial and industrial book is improving, with 3.43% past due or on nonaccrual, down from 6.74% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.0 million equal 41% of Tier 1 capital, down from 51% a year earlier.
As of June 30, 2026, Farmers State Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 1.74% and a Texas ratio of 9.40%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Farmers State Bank is the 146th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.4% to $84.7M, loans rose 4.1% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.1% of total loans, ahead of commercial and industrial loans at 18.0%. Its one office in the FDIC Summary of Deposits is in Wathena, KS. By the capital ratios in its Q2 2026 call report, Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 211 Saint Joseph St, Wathena, KS 66090
- County
- Doniphan
- Metro Area
- St. Joseph, MO-KS
- 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
- May 3, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $77.0M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $90.0M
- Average total loans
- $46.5M
- Average interest-bearing deposits
- $53.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 14, 1950
- FDIC Cert
- 16941
- Fed RSSD
- 72351
- Website
- www.fsbwathena.com →
- Parent Holding Company
- WATHENA BANCSHARES, INC. (RSSD 1250688)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Farmers State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers State Bank's total assets ran between $71.3M (Q3 2023) and $86.8M (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
$84.7M total assets against $78.9M; $77.4M total liabilities against $73.2M.
$45.9M net loans and leases against $42.5M; $77.0M total deposits against $72.8M.
$31.8M securities against $31.6M; $5.8M cash and balances due against $3.6M.
$1.1M total interest income against $960K; $214K total interest expense against $219K.
$837K net interest income against $741K.
$99K total noninterest income against $123K; $631K total noninterest expense against $634K.
No provision recorded in the last 12 quarters.
$296K net income against $225K.
1.32% return on assets against 1.07%; 3.85% net interest margin against 3.66%.
13.64% tier 1 leverage ratio against 14.09%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.27% (Q4 2025) to 1.32% (Q2 2026) and its net interest margin ran from 3.59% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.64% | 1.32% | 1.74% | 9.40% | 3.85% |
| Q1 2026 | 13.42% | 1.13% | 1.24% | 6.78% | 3.70% |
| Q4 2025 | 13.90% | 0.27% | 1.42% | 7.42% | 3.75% |
| Q3 2025 | 14.11% | 1.05% | 1.16% | 6.23% | 3.74% |
| Q2 2025 | 14.09% | 1.07% | 0.01% | 0.07% | 3.66% |
| Q1 2025 | 13.64% | 1.15% | 0.01% | 0.09% | 3.64% |
| Q4 2024 | 13.45% | 0.55% | 0.00% | 0.00% | 3.64% |
| Q3 2024 | 13.98% | 0.99% | 0.00% | 0.03% | 3.59% |
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 | Wathena , KS | 66090 | $77.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 170 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 37 applications, 27 loans originated, $3.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 State Bank’s latest filed figures and updates each quarter.
Similar banks
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 $84.7 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Wathena, KS, United States.
When was Farmers State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16941). 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.
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 9.40% 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 State Bank.
Get an email when Farmers State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Farmers State Bank, freeFree account