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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 $2.7MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $36.0M25%Noninterest $11.9MQ3 2024Q2 2026

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 1.05%, down 20 bps year over year; NIM at 4.65%.
  • 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.

Return on Assets (YTD, annualized)

1.05%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+17 bps YoY

Efficiency Ratio (YTD, annualized)

66.42%-37 bps YoY

Tier 1 Leverage Ratio

11.61%-483 bps YoY

NIM

5.72%Q2 ’246.00%Q2 ’256.09%Q2 ’26+3%+4%

Non-interest income vs. expense

3.90%Q2 ’243.27%Q2 ’253.42%Q2 ’26-16%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%1.12%1.13%1.25%0.30%0.18%1.04%1.05%-20 bps
Return on Equity5.21%7.52%7.70%8.31%2.19%1.34%8.21%8.28%-3 bps
Net Interest Margin4.30%4.15%4.30%4.47%4.65%1.20%4.76%4.65%+17 bps
Efficiency Ratio79.68%72.79%69.57%66.79%73.53%75.76%67.12%66.42%-37 bps
Non-Interest Burden3.32%2.81%2.87%2.85%3.32%0.91%3.14%3.04%+20 bps
Growth
Asset Growth (YoY)2.47%16.47%11.67%-1.53%-7.67%-8.58%-8.63%7.14%+866 bps
Loan Growth (YoY)20.12%14.39%9.38%4.14%2.57%22.82%14.54%35.73%+3,159 bps
Deposit Growth (YoY)2.18%18.93%12.90%-3.31%-0.74%-6.47%-6.52%6.36%+967 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.05%0.14%0.92%0.05%0.10%0.20%0.20%-72 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%-0.07%-0.07%0.00%-0.01%0.00%+6 bps
Allowance / Loans1.15%1.14%1.10%1.12%1.29%0.75%0.84%0.76%-36 bps
Allowance Coverage of NPLs4.3x22.9x7.6x1.2x24.9x7.9x4.3x3.8x+2.6x
Capital
Tier 1 Leverage Ratio15.95%15.71%15.88%16.44%8.65%10.76%11.23%11.61%-483 bps
Total Risk-Based Capital15.95%15.71%15.88%16.44%8.65%10.76%11.23%11.61%-483 bps
Equity / Assets15.00%14.36%14.88%15.97%8.81%12.58%12.87%12.58%-339 bps
Liquidity & Funding
Loans / Deposits74.72%69.61%72.36%79.77%77.21%91.41%88.66%101.79%+2,203 bps
Liquid Assets / Assets0.93%0.86%0.86%0.93%0.00%0.00%0.00%0.00%-93 bps
CRE / Total Capitaln/an/an/an/a61.62%119.25%117.97%n/an/a