Farmers State Bank
Wathena, KS · Cert 16941 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 66% of banks under $1B in assets operating in a single state (rank 251 of 746).
- Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets operating in a single state (rank 637 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.06%
Rank 375 of 746
Net Interest Margin
3.65%
Rank 383 of 746
Efficiency Ratio
68.79%
Rank 445 of 746
Equity / Assets
8.58%
Rank 595 of 746
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 50% | 375 / 746 | | |
| Return on Equity | 12.36% | 6.74% | 10.51% | 13.63% | Beats 66% | 251 / 746 | | |
| Net Interest Margin | 3.65% | 3.17% | 3.68% | 4.16% | Beats 49% | 383 / 746 | | |
| Efficiency Ratio | 68.79% | 55.74% | 64.58% | 75.47% | Beats 40% | 445 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.09% | 0.42% | 1.07% | Beats 14% | 637 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 46% | 401 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.64% | 11.55% | 13.75% | 17.60% | Beats 49% | 382 / 746 | | |
| Total Risk-Based Capital Ratio | 13.64% | 11.71% | 14.33% | 18.43% | Beats 43% | 422 / 746 | | |
| Equity / Assets | 8.58% | 8.90% | 10.51% | 13.06% | Beats 20% | 595 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.57% | 61.31% | 78.27% | 90.78% | 25th pctl | 558 / 746 | | |
| Loans / Assets | 55.97% | 53.60% | 66.97% | 76.08% | 29th pctl | 530 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |