The Farmers State Bank of Oakley, Kansas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6438.99 percentage points higher than in Q1 2026, at 7543.33%. The Farmers State Bank of Oakley, Kansas ranks 117th of 182 Kansas banks on return on assets, in the lower half at 1.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers State Bank of Oakley, Kansas sits 0.07 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.07% |
| Tier 1 risk-based capital ratio | 13.07% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 11.61% |
| Equity capital to assets | 11.83% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.07% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 7543.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 11.41% |
| Net interest margin | 3.60% |
| Efficiency ratio | 48.51% |
| Yield on earning assets | 6.27% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.02% |
| Core deposits to total deposits | 80.03% |
| Brokered deposits to total deposits | 9.84% |
| Deposits to assets | 74.52% |
| Securities to assets | 24.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 13.42% | 1.38% |
| Q4 2023 | — | — | — | 12.48% | 1.18% |
| Q1 2024 | 12.42% | 12.42% | 13.18% | 12.56% | 1.37% |
| Q2 2024 | 13.16% | 13.16% | 13.95% | 12.89% | 1.39% |
| Q3 2024 | 13.08% | 13.08% | 13.85% | 12.97% | 1.34% |
| Q4 2024 | 13.04% | 13.04% | 13.87% | 12.32% | 1.25% |
| Q1 2025 | 13.03% | 13.03% | 13.84% | 12.30% | 1.28% |
| Q2 2025 | 13.58% | 13.58% | 14.40% | 12.52% | 1.45% |
| Q3 2025 | 12.67% | 12.67% | 13.35% | 13.38% | 1.51% |
| Q4 2025 | 12.85% | 12.85% | 13.54% | 11.30% | 0.67% |
| Q1 2026 | 12.63% | 12.63% | 13.28% | 11.95% | 1.31% |
| Q2 2026 | 13.07% | 13.07% | 13.71% | 11.61% | 1.32% |
The Farmers State Bank of Oakley, Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Oakley, Kansas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers State Bank of Oakley, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1867) · FFIEC NIC profile (RSSD 278256)