The Farmers State Bank (Westmoreland, KS)
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Data as of · sourced from FFIEC call reports. How we update
The Farmers State Bank is an FDIC-insured commercial bank headquartered in Westmoreland, KS, established in 1898 (FDIC certificate 15164), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $257.7M, up 10.5% from Q2 2025, the 79th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.88% 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
- 15164
- Headquarters
- Westmoreland, KS
- Established
- 1898
- Total assets, Q2 2026
- $257.7M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 13.88%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101105927
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers State Bank call report
- Asset rank in state
- 79th of 182 in Kansas
The Farmers State Bank, based in Westmoreland, Kansas, reported $258 million in assets at June 30, 2026, up 10.5% from a year earlier. It keeps 3.24 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 10.6% over the year, 2.6 times the median of 4.0% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 2.03% of loans from 4.11%. Net income for the quarter rose 28% from a year earlier, to $699,000. Credit is the area to watch: it carries problem assets equal to 8.8% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, The Farmers State Bank reported a return on assets of 1.07%, a nonperforming-loan ratio of 2.03% and a Texas ratio of 8.83%. The figures come from its call report filed with the FFIEC.
The Farmers State Bank ranks as the 79th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $257.7M, loans rose 1.7% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 26.3% of total loans, ahead of agricultural production loans at 22.5%. The FDIC Summary of Deposits lists 3 offices for it, in Westmoreland, KS, Manhattan, KS and Onaga, KS; its Westmoreland office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 307 Main St, Westmoreland, KS 66549
- County
- Pottawatomie
- Metro Area
- Manhattan, 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
- January 1, 1898
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $226.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $83K
- Average total assets
- $260.4M
- Average total loans
- $143.4M
- Average interest-bearing deposits
- $187.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 24, 1935
- FDIC Cert
- 15164
- Fed RSSD
- 615851
- Website
- bankwithfarmers.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, The Farmers State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers State Bank's total assets ranged from $215.0M (Q3 2023) to $257.7M (Q2 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
$257.7M total assets against $233.1M; $226.9M total liabilities against $205.0M.
$141.7M net loans and leases against $136.6M; $226.2M total deposits against $204.5M.
$88.2M securities against $67.6M; $20.0M cash and balances due against $20.7M.
$3.3M total interest income against $3.0M; $1.3M total interest expense against $1.1M.
$2.1M net interest income against $1.9M.
$184K total noninterest income against $169K; $1.3M total noninterest expense against $1.2M.
$55K provision for credit losses against $170K.
$699K net income against $544K.
1.07% return on assets against 0.92%; 3.24% net interest margin against 3.33%.
13.88% tier 1 leverage ratio against 14.22%.
Inside the full The Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers State Bank rankings
Its closest position to the top of a national ranking is 741 of 3,640, for Texas Ratio; its furthest is 2,341 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q4 2024) to 1.09% (Q1 2026) and its net interest margin ran from 2.85% (Q1 2025) to 3.52% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.88% | 1.07% | 2.03% | 8.83% | 3.24% |
| Q1 2026 | 14.27% | 1.09% | 1.79% | 7.70% | 3.24% |
| Q4 2025 | 14.59% | 0.81% | 2.07% | 8.93% | 3.52% |
| Q3 2025 | 14.69% | 0.94% | 2.52% | 10.54% | 3.29% |
| Q2 2025 | 14.22% | 0.92% | 4.11% | 18.65% | 3.33% |
| Q1 2025 | 14.09% | 0.64% | 3.31% | 15.10% | 2.85% |
| Q4 2024 | 14.54% | 0.27% | 2.78% | 14.52% | 3.12% |
| Q3 2024 | 14.68% | 0.79% | 2.99% | 14.40% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Westmoreland | Westmoreland , KS | 66549 | $98.4M |
| Manhattan Branch | Manhattan , KS | 66502 | $68.4M |
| Onaga Branch | Onaga , KS | 66521 | $59.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 95 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 51 loans originated, $8.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $338K approved, $338K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
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Frequently asked about The Farmers State Bank
What are The Farmers State Bank's total assets?
As of the Q2 2026 filing, The Farmers State Bank reported total assets of $257.7 million in its FFIEC call report.
Where is The Farmers State Bank headquartered?
It is headquartered in Westmoreland, KS, United States.
When was The Farmers State Bank founded?
It was established in 1898, per the FDIC institution directory.
Is The Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15164). 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?
The Farmers State Bank's primary federal regulator is the FDIC.
How many branches does The Farmers State Bank operate?
It operates 3 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's Texas Ratio?
Its Texas Ratio is 8.83% 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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