Farmers State Bank (Dwight, 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 Dwight, KS, established in 1921 (FDIC certificate 17632), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $19.5M, down 3.2% from Q2 2025, the 180th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.47% 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
- 17632
- Headquarters
- Dwight, KS
- Established
- 1921
- Total assets, Q2 2026
- $19.5M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 10.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101113676
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Asset rank in state
- 180th of 182 in Kansas
Problem loans are rising at Farmers State Bank. Its balance sheet stood at $20 million at June 30, 2026, down 3.2% from a year earlier; it is based in Dwight, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.76% of loans from 2.47% a year earlier. It carries problem assets equal to 19.3% of the capital and reserves that would absorb them, 14.0 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also lost 3.6% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
Net income for the quarter slipped 28% from a year earlier, to $46,000. Over the same year, loans grew 1.7% and deposits shrank 3.6%. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Farmers State Bank reported a return on assets of 0.93%, a nonperforming-loan ratio of 6.76% and a Texas ratio of 19.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank is the 180th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $19.5M, loans fell 11.3% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 33.0% of total loans, ahead of 1-4 family residential loans at 23.6%. Its one office in the FDIC Summary of Deposits is in Dwight, 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
- 624 Main St, Dwight, KS 66849
- County
- Morris
- 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
- January 1, 1921
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $17.4M
- Allowance for credit losses
- $175K
- Net charge-offs (YTD)
- $0
- Average total assets
- $19.8M
- Average total loans
- $6.5M
- Average interest-bearing deposits
- $12.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 18, 1956
- FDIC Cert
- 17632
- Fed RSSD
- 976954
- Website
- www.dwightfsb.com →
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 $16.4M (Q4 2024) and $20.8M (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$19.5M total assets against $20.2M; $17.4M total liabilities against $18.1M.
$6.2M net loans and leases against $6.2M; $17.4M total deposits against $18.0M.
$1.1M securities against $744K; $12.0M cash and balances due against $13.1M.
$223K total interest income against $230K; $66K total interest expense against $62K.
$157K net interest income against $168K.
$2K total noninterest income against $3K; $113K total noninterest expense against $107K.
$0 provision for credit losses against $0.
$46K net income against $64K.
0.93% return on assets against 1.30%; 3.20% net interest margin against 3.44%.
10.47% tier 1 leverage ratio against 10.57%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Farmers State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.84% (Q4 2025) to 1.30% (Q2 2025) and its net interest margin ran from 3.12% (Q1 2026) to 3.66% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.47% | 0.93% | 6.76% | 19.31% | 3.20% |
| Q1 2026 | 10.01% | 0.73% | 3.65% | 11.99% | 3.12% |
| Q4 2025 | 9.60% | -2.84% | 2.06% | 7.21% | 3.35% |
| Q3 2025 | 10.26% | 1.06% | 5.72% | 16.84% | 3.29% |
| Q2 2025 | 10.57% | 1.30% | 2.47% | 7.07% | 3.44% |
| Q1 2025 | 11.80% | 0.87% | 4.32% | 13.02% | 3.56% |
| Q4 2024 | 11.91% | -1.97% | 3.73% | 13.06% | 3.66% |
| Q3 2024 | 12.30% | 0.88% | 5.78% | 18.60% | 3.46% |
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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 | Dwight , KS | 66849 | $17.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 222 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 $19.5 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Dwight, KS, United States.
When was Farmers State Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17632). 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 19.31% 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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