The Farmers State Bank (Holton, 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 Holton, KS, established in 1900 (FDIC certificate 15258), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $86.2M, up 12.2% from Q2 2025, the 145th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.74% 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
- 15258
- Headquarters
- Holton, KS
- Established
- 1900
- Total assets, Q2 2026
- $86.2M
- Assets vs Q2 2025
- +12.2%
- Tier 1 leverage ratio, Q2 2026
- 12.74%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101107802
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers State Bank call report
- Holding company
- FARMERS STATE BANKSHARES, INC.
- Asset rank in state
- 145th of 182 in Kansas
The Farmers State Bank runs leaner than most banks of its size. It reported $86 million in assets at June 30, 2026, up 12.2% from a year earlier. It spends about 48 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also grew deposits 12.6% over the year, 5.1 times the median of 2.5% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 2.1% and deposits rose 12.6%. Unrealized losses on its securities total $1.8 million, equal to 17% of Tier 1 capital, against 21% a year earlier.
As of June 30, 2026, The Farmers State Bank reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.24%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Farmers State Bank is the 145th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $86.2M, loans rose 0.3% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.1% of total loans, followed by farmland and other real estate loans at 27.3%. Its one office in the FDIC Summary of Deposits is in Holton, KS. On its Q2 2026 call report, The Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 209 Montana Ave, Holton, KS 66436
- County
- Jackson
- Metro Area
- Topeka, 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
- October 30, 1900
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $74.4M
- Allowance for credit losses
- $529K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $85.9M
- Average total loans
- $50.4M
- Average interest-bearing deposits
- $61.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 1935
- FDIC Cert
- 15258
- Fed RSSD
- 863652
- Website
- www.fsbks.bank →
- Parent Holding Company
- FARMERS STATE BANKSHARES, INC. (RSSD 1717707)
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 $72.8M (Q4 2023) to $86.2M (Q2 2026), 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
$86.2M total assets against $76.9M; $76.7M total liabilities against $68.4M.
$50.1M net loans and leases against $49.0M; $74.4M total deposits against $66.1M.
$18.6M securities against $15.6M; $14.7M cash and balances due against $8.6M.
$1.2M total interest income against $1.0M; $338K total interest expense against $366K.
$847K net interest income against $664K.
$77K total noninterest income against $76K; $444K total noninterest expense against $500K.
$20K provision for credit losses against $255K.
$407K net income against -$18K.
1.90% return on assets against -0.09%; 4.06% net interest margin against 3.55%.
12.74% tier 1 leverage ratio against 12.96%.
Inside the full The Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.18% (Q4 2024) to 1.97% (Q3 2024) and its net interest margin ran from 3.39% (Q3 2024) to 4.06% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.74% | 1.90% | 0.45% | 2.24% | 4.06% |
| Q1 2026 | 12.48% | 1.31% | 0.21% | 1.10% | 3.77% |
| Q4 2025 | 13.42% | 1.56% | 0.37% | 1.93% | 4.06% |
| Q3 2025 | 13.22% | 1.38% | 0.55% | 2.90% | 3.90% |
| Q2 2025 | 12.96% | -0.09% | 0.69% | 10.69% | 3.55% |
| Q1 2025 | 13.64% | 0.94% | 3.00% | 15.99% | 3.48% |
| Q4 2024 | 13.42% | -0.18% | 2.67% | 14.73% | 3.45% |
| Q3 2024 | 13.37% | 1.97% | 2.47% | 13.20% | 3.39% |
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 | Holton , KS | 66436 | $74.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 172 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 47 loans originated, $9.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $80K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 $86.2 million in its FFIEC call report.
Where is The Farmers State Bank headquartered?
It is headquartered in Holton, KS, United States.
When was The Farmers State Bank founded?
It was established in 1900, per the FDIC institution directory.
Is The Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15258). 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 1 domestic office, 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 2.24% 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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