Bank Safety Analysis
Is Marquette Farmers State Bank of Marquette Kansas Safe? Marquette, Kansas
Based on its Q2 2026 call report, Marquette Farmers State Bank of Marquette Kansas meets the community bank leverage ratio test for well capitalized, its Texas ratio is 10.49%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Marquette Farmers State Bank of Marquette Kansas safe?
On its Q2 2026 call report, Marquette Farmers State Bank of Marquette Kansas's Community Bank Leverage Ratio is 17.54%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 17.54%
- Texas ratio (Q2 2026): 10.49%
- Noncurrent loans ratio (Q2 2026): 5.22%
Marquette Farmers State Bank of Marquette Kansas is an FDIC-insured commercial bank (FDIC Certificate #18094). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Marquette Farmers State Bank of Marquette Kansas (FDIC Certificate #18094) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Marquette Farmers State Bank of Marquette Kansas is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: non-performing loan ratio.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 2.70 percentage points higher than in Q1 2026, at 5.22%. Among 182 Kansas banks, Marquette Farmers State Bank of Marquette Kansas sits 18th from the top on leverage ratio, 17.54% as of Q2 2026. The median for banks in the < $100M asset tier is 12.62% on leverage ratio. Marquette Farmers State Bank of Marquette Kansas sits 4.92 points higher, at 17.54% (Q2 2026). From Q3 2023 to Q2 2026, Marquette Farmers State Bank of Marquette Kansas's Texas ratio ranged between 0.10% (Q1 2025) and 11.51% (Q4 2025). Between Q2 2025 and Q2 2026, Marquette Farmers State Bank of Marquette Kansas's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 4.03% to 5.22%, Texas ratio rose from 8.72% to 10.49% and return on assets rose from 0.77% to 1.08%.
By total assets at Q2 2026, Marquette Farmers State Bank of Marquette Kansas is the 174th largest of the 182 banks headquartered in Kansas. Agricultural production loans are its largest loan category, $4.1M of $11.4M in total loans on its June 30, 2026 call report. Against the 578 banks with under $100M in assets for Q2 2026, Marquette Farmers State Bank of Marquette Kansas's community bank leverage ratio of 17.54% is above the 12.62% median, nonperforming loans ratio of 5.22% is above the 0.44% median, Texas ratio of 10.49% is above the 2.09% median, and efficiency ratio of 71.61% is above the 69.61% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Marquette Farmers State Bank of Marquette Kansas score on capital, credit and costs?
Peer cohort: Under $100M (583 banks) · Industry averages as of Q2 2026.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 0.44%.
Median of the 578 banks with under $100M in assets, Q2 2026: 2.09%.
Median of the 578 banks with under $100M in assets, Q2 2026: 69.61%.
Does Marquette Farmers State Bank of Marquette Kansas trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 10.49% | Within range |
| Non-performing loan ratio BankRegReports band | 5.22% | Flagged |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 40.61% | Within range |
| Commercial real estate to capital supervisory threshold | 0.24% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 10.49% |
| Q1 2026 | 5.03% |
| Q4 2025 | 11.51% |
| Q3 2025 | 8.77% |
| Q2 2025 | 8.72% |
| Q1 2025 | 0.10% |
| Q4 2024 | 0.10% |
| Q3 2024 | 2.44% |
| Q2 2024 | 1.25% |
| Q1 2024 | 2.00% |
| Q4 2023 | 1.99% |
| Q3 2023 | 2.71% |
Loans by type, Q2 2026
- Agricultural production loans: $4.1M
- 1-4 family residential loans: $2.7M
- Commercial and industrial loans: $848K
- Owner-occupied commercial real estate loans: $592K
- Auto loans: $300K
- Loans to states and political subdivisions: $211K
- Other consumer loans: $209K
- Construction and land development loans: $15K
How have Marquette Farmers State Bank of Marquette Kansas's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $33.6M | 17.54% | 5.22% | 10.49% | 71.61% |
| Mar 31, 2026 | $32.9M | 17.59% | 2.52% | 5.03% | 63.19% |
| Dec 31, 2025 | $31.6M | 18.11% | 5.61% | 11.51% | 90.57% |
| Sep 30, 2025 | $31.1M | 18.28% | 4.20% | 8.77% | 83.56% |
| Jun 30, 2025 | $31.2M | 18.09% | 4.03% | 8.72% | 73.95% |
| Mar 31, 2025 | $32.5M | 17.35% | 0.04% | 0.10% | 85.04% |
| Dec 31, 2024 | $31.3M | 17.83% | 0.04% | 0.10% | 91.62% |
| Sep 30, 2024 | $31.6M | 17.70% | 1.02% | 2.44% | 78.24% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Marquette Farmers State Bank of Marquette Kansas FDIC insured?
Yes. Marquette Farmers State Bank of Marquette Kansas is an FDIC-insured commercial bank (FDIC Certificate #18094). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Marquette Farmers State Bank of Marquette Kansas well capitalized?
On its Q2 2026 call report, Marquette Farmers State Bank of Marquette Kansas's Community Bank Leverage Ratio is 17.54%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Marquette Farmers State Bank of Marquette Kansas's key safety ratios?
For Q2 2026, Marquette Farmers State Bank of Marquette Kansas reports leverage 17.54%, Texas ratio 10.49%, noncurrent loans 5.22%. Its Texas ratio compares with the 2.09% median for the 578 banks with under $100M in assets.
What happens to my deposits if Marquette Farmers State Bank of Marquette Kansas fails?
For Q2 2026, Marquette Farmers State Bank of Marquette Kansas reported $28.2M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Marquette Farmers State Bank of Marquette Kansas profile.
How we score this
Marquette Farmers State Bank of Marquette Kansas elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.