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Farmers State Bank of Blue Mound, The

Blue Mound, KS · Cert 17629 · Kansas Investors Bancshares

State charter, non-member · FDIC · 3 branches

Q2 2026

$57.6MAssets
$48.8MLoans
$47.9MDeposits
$7.2MEquity
Loan mix
82%RE $28.4M10%C&I $3.4M8%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $36.0M25%Noninterest $11.9MQ2 2025Q2 2026

NIM

5.98%Q2 ’245.98%Q2 ’256.28%Q2 ’26+0%+7%

Non-interest income vs. expense

3.89%Q2 ’243.12%Q2 ’253.44%Q2 ’26-21%+14%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #100 of 114 inst. · $0.0B of $99.1B

13.8% Linn
5.1% Anderson

Executive Summary

  • Earnings: ROA of 1.07%, down 30 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.20% of loans (-72 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.61%, down 483 bps from a year ago.
  • Funding: loans stand at 101.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.07%-30 bps YoY

Net Interest Margin (quarter, annualized)

4.77%+31 bps YoY

Efficiency Ratio (quarter, annualized)

65.75%+176 bps YoY

Tier 1 Leverage Ratio

11.61%-483 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%-2.20%-0.31%1.04%1.07%-30 bps
Return on Equity8.87%-17.53%-2.91%8.21%8.42%-45 bps
Net Interest Margin4.47%4.64%-9.45%4.76%4.77%+31 bps
Efficiency Ratio63.99%87.44%78.81%67.12%65.75%+176 bps
Non-Interest Burden2.71%4.02%-6.31%3.14%3.10%+39 bps
Growth
Asset Growth (YoY)-1.53%-7.67%-8.58%-8.63%7.14%+866 bps
Loan Growth (YoY)4.14%2.57%22.82%14.54%35.73%+3,159 bps
Deposit Growth (YoY)-3.31%-0.74%-6.47%-6.52%6.36%+967 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.05%0.10%0.20%0.20%-72 bps
Net Charge-Offs / Loans-0.13%-0.07%0.16%-0.01%0.00%+13 bps
Allowance / Loans1.12%1.29%0.75%0.84%0.76%-36 bps
Allowance Coverage of NPLs1.2x24.9x7.9x4.3x3.8x+2.6x
Capital
Tier 1 Leverage Ratio16.44%8.65%10.76%11.23%11.61%-483 bps
Total Risk-Based Capital16.44%8.65%10.76%11.23%11.61%-483 bps
Equity / Assets15.97%8.81%12.58%12.87%12.58%-339 bps
Liquidity & Funding
Loans / Deposits79.77%77.21%91.41%88.66%101.79%+2,203 bps
Liquid Assets / Assets0.93%0.00%0.00%0.00%0.00%-93 bps
CRE / Total Capitaln/a61.62%119.25%117.97%n/an/a