Farmers State Bank, The
McPherson, KS · Cert 13883 · Peer group: banks under $1B in assets in KS (n=98) · Galva Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$180.5MAssets
$94.3MLoans
$158.1MDeposits
$12.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets in KS (rank 18 of 98).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in KS (rank 90 of 98).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.11%
Rank 66 of 98
Net Interest Margin
3.65%
Rank 47 of 98
Efficiency Ratio
59.33%
Rank 55 of 98
Equity / Assets
6.93%
Rank 89 of 98
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 45% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 1.03% | 1.24% | 1.54% | Beats 33% | 66 / 98 | |
| Return on Equity | 15.96% | 8.85% | 11.58% | 14.73% | Beats 82% | 18 / 98 | |
| Net Interest Margin | 3.65% | 3.24% | 3.62% | 3.91% | Beats 52% | 47 / 98 | |
| Efficiency Ratio | 59.33% | 51.87% | 58.88% | 64.74% | Beats 45% | 55 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.33% | 1.05% | Beats 80% | 21 / 98 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.03% | Beats 24% | 75 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 10.05% | 11.81% | 13.71% | 17.33% | Beats 9% | 89 / 98 | |
| Total Risk-Based Capital Ratio | 10.05% | 11.81% | 14.13% | 17.45% | Beats 8% | 90 / 98 | |
| Equity / Assets | 6.93% | 8.60% | 11.34% | 13.10% | Beats 9% | 89 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 59.64% | 57.09% | 69.84% | 82.47% | 34th pctl | 65 / 98 | |
| Loans / Assets | 52.25% | 49.34% | 58.31% | 68.94% | 37th pctl | 62 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |