Farmers State Bank
Wathena, KS · Cert 16941 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Wathena Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$84.7MAssets
$47.4MLoans
$77.0MDeposits
$7.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 67% of banks under $1B in assets operating in a single state (rank 251 of 755).
- Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets operating in a single state (rank 647 of 751).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.06%
Rank 379 of 755
Net Interest Margin
3.65%
Rank 387 of 755
Efficiency Ratio
68.79%
Rank 450 of 755
Equity / Assets
8.58%
Rank 604 of 755
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 50% | 379 / 755 | |
| Return on Equity | 12.36% | 6.66% | 10.44% | 13.61% | Beats 67% | 251 / 755 | |
| Net Interest Margin | 3.65% | 3.15% | 3.68% | 4.17% | Beats 49% | 387 / 755 | |
| Efficiency Ratio | 68.79% | 55.75% | 64.78% | 75.61% | Beats 41% | 450 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.09% | 0.42% | 1.05% | Beats 14% | 647 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 394 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 13.64% | 11.56% | 13.81% | 17.74% | Beats 49% | 388 / 755 | |
| Total Risk-Based Capital Ratio | 13.64% | 11.72% | 14.46% | 18.53% | Beats 43% | 430 / 755 | |
| Equity / Assets | 8.58% | 8.93% | 10.56% | 13.13% | Beats 20% | 604 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 61.57% | 62.43% | 78.62% | 91.00% | 24th pctl | 577 / 755 | |
| Loans / Assets | 55.97% | 54.70% | 67.27% | 76.55% | 28th pctl | 547 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |