The Farmers State Bank of Oakley, Kansas
The Farmers State Bank of Oakley, Kansas is an FDIC-insured commercial bank headquartered in Oakley, KS, supervised by the FDIC, with $413.0M in total assets at Q3 2026, up 9.8% from Q3 2025, the 54th largest of 182 banks headquartered in Kansas. It was established in 1907 and holds FDIC certificate 1867. Its CET1 capital ratio was 12.15% at Q3 2026, above regulatory requirements.
Also written as FSB of Oakley Kansas
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1867
- Headquarters
- Oakley, KS
- Established
- 1907
- Total assets, Q3 2026
- $413.0M
- Assets vs Q3 2025
- +9.8%
- CET1 ratio, Q3 2026
- 12.15%
- Domestic offices
- 2 branches
- Routing number
- 101104795
- Safety and soundness
- Is The Farmers State Bank of Oakley, Kansas safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Farmers State Bank of Oakley, Kansas call report
- Holding company
- SECURITY BANCSHARES, INC.
- Asset rank in state
- 54th of 182 in Kansas
The Farmers State Bank of Oakley, Kansas spends more to run itself than most banks of its size. Based in Oakley, Kansas, it had $413 million in assets at September 30, 2026, up 9.8% from a year earlier. It earns about $0.16 a year on every $100 of assets, a small fraction of the median of $1.30 for the 2,624 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $166,000 was 86% below a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.02% of loans from 0.81%. Funding is the softer spot: it pays an average of 3.28% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.83%).
As of September 30, 2026, The Farmers State Bank of Oakley, Kansas reported a CET1 capital ratio of 12.15%, a return on assets of 0.16%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.
The Farmers State Bank of Oakley, Kansas ranks as the 54th largest of the 182 banks based in Kansas, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 4.3% to $413.0M, loans rose 0.8% and deposits rose 9.2%. Owner-occupied commercial real estate loans made up 36.0% of its total loans on September 30, 2026, its largest category; next came agricultural production loans at 22.8%. Its 2 offices in the FDIC Summary of Deposits are in Oakley, KS and Eudora, KS; its Oakley office books 76% of its branch deposits. On its Q3 2026 call report, The Farmers State Bank of Oakley, Kansas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Center Ave, Oakley, KS 67748
- County
- Logan
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 1907
- Domestic offices
- 2 branches
- Employees (FTE)
- 30
- Domestic deposits
- $322.3M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $38K
- Average total assets
- $411.9M
- Average total loans
- $262.2M
- Average interest-bearing deposits
- $251.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1867
- Fed RSSD
- 278256
- SEC CIK
- 1883602 → filed by SECURITY BANCSHARES, INC.
- Website
- http://www.fsboakley.com →
- Parent Holding Company
- SECURITY BANCSHARES, INC. (RSSD 1248836)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Farmers State Bank of Oakley, Kansas's total assets ran between $272.8M (Q4 2023) and $413.0M (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$413.0M total assets against $376.0M; $372.0M total liabilities against $331.0M.
$265.7M net loans and leases against $252.7M; $322.3M total deposits against $277.8M.
$112.8M securities against $85.2M; $6.3M cash and balances due against $13.1M.
$5.9M total interest income against $4.7M; $2.6M total interest expense against $2.3M.
$3.3M net interest income against $2.5M.
$103K total noninterest income against $96K; $3.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$166K net income against $1.2M.
0.16% return on assets against 1.51%; 3.54% net interest margin against 3.28%.
12.15% CET1 capital ratio against 12.67%; 10.63% tier 1 leverage ratio against 13.38%.
Inside the full The Farmers State Bank of Oakley, Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers State Bank of Oakley, Kansas rankings
Its closest position to the top of a national ranking is 2,028 of 4,193, for total assets; its furthest is 3,455 of 3,627, for ROA.
Banks merged into The Farmers State Bank of Oakley, Kansas
- Kaw Valley State Bank, effective September 6, 2025
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.16% (Q3 2026) to 1.51% (Q3 2025) and its net interest margin ran from 3.08% (Q1 2025) to 3.65% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.15% | 0.16% | 0.02% | 0.13% | 3.54% |
| Q2 2026 | 13.07% | 1.32% | 0.01% | 0.07% | 3.60% |
| Q1 2026 | 12.63% | 1.31% | 0.60% | 3.63% | 3.56% |
| Q4 2025 | 12.85% | 0.67% | 0.16% | 0.92% | 3.60% |
| Q3 2025 | 12.67% | 1.51% | 0.81% | 4.78% | 3.28% |
| Q2 2025 | 13.58% | 1.45% | 0.00% | 0.00% | 3.65% |
| Q1 2025 | 13.03% | 1.28% | 0.00% | 0.01% | 3.08% |
| Q4 2024 | 13.04% | 1.25% | 0.02% | 0.15% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The Farmers State Bank of Oakley, Kansas | Oakley , KS | 67748 | $224.9M |
| Kaw Valley State Bank Branch | Eudora , KS | 66025 | $70.2M |
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 |
|---|---|---|---|
| July 18, 2026 | Structure Change | Acquired Small Business Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 17, 2026 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 6, 2025 | Structure Change | Acquired Kaw Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (FDIC)
- December 15, 1989, FDIC: Cease and Desist / Consent Orders: THE FARMERS STATE BANK OF OAKLEY,KANSAS
- Period: Most recent institution action December 15, 1989. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KS, rank 77 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $277K approved, $277K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
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Frequently asked about The Farmers State Bank of Oakley, Kansas
What are The Farmers State Bank of Oakley, Kansas's total assets?
As of the Q3 2026 filing, The Farmers State Bank of Oakley, Kansas reported total assets of $413.0 million in its FFIEC call report.
Where is The Farmers State Bank of Oakley, Kansas headquartered?
It is headquartered in Oakley, KS, United States.
When was The Farmers State Bank of Oakley, Kansas founded?
It was established in 1907, per the FDIC institution directory.
Is The Farmers State Bank of Oakley, Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers State Bank of Oakley, Kansas?
The Farmers State Bank of Oakley, Kansas's primary federal regulator is the FDIC.
What is The Farmers State Bank of Oakley, Kansas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.15% in its Q3 2026 call report, above regulatory requirements.
How many branches does The Farmers State Bank of Oakley, Kansas operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers State Bank of Oakley, Kansas's Texas Ratio?
Its Texas Ratio is 0.13% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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