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The Farmers State Bank
Wathena, KS · FDIC Certificate #16941 · Chartered 05/0
Total assets
$84.69M
Total deposits
$76.99M
Total equity
$7.26M
Net loans
$45.91M
Branches (offices)
1
Net income (YTD)
$554.00K
Rank: #3,798 of 4,213 U.S. banks by assets · #146 of 183 in Kansas. Assets changed 7.3% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 15.68% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 13.64% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 1.74% |
| Net charge-offs (share of loans) | -0.08% |
| Loans to deposits | 59.6% |
| Real estate loans (share of loans) | 63.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.95M | 63.0% | |
| Commercial & industrial | $8.52M | 18.6% | |
| Consumer / individual | $3.67M | 8.0% | |
| Construction & development | $1.72M | 3.7% | |
| Agricultural | $5.26M | 11.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $75.86M | $71.05M | $266.00K | $4.55M |
| Jun 2023 | $73.80M | $69.34M | $227.00K | $4.18M |
| Jun 2024 | $77.48M | $72.42M | $376.00K | $4.66M |
| Jun 2025 | $78.92M | $72.77M | $474.00K | $5.75M |
| Jun 2026 | $84.69M | $76.99M | $554.00K | $7.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $76.99M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $76.99M.
Similar-sized banks
The Pleasants County Bank ($84.71M) · Allnations Bank ($84.53M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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