Farmers State Bank
Dwight, KS · Cert 17632 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 1 branch
Q2 2026
$19.5MAssets
$6.4MLoans
$17.4MDeposits
$2.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in KS (rank 96 of 98).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.85%
Rank 86 of 98
Net Interest Margin
3.17%
Rank 80 of 98
Efficiency Ratio
73.98%
Rank 91 of 98
Equity / Assets
10.62%
Rank 54 of 98
Non-interest income vs. expense
Unfavorable gap of $462K · efficiency ratio beats 8% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 1.03% | 1.24% | 1.54% | Beats 12% | 86 / 98 | | |
| Return on Equity | 8.01% | 8.85% | 11.58% | 14.73% | Beats 17% | 81 / 98 | | |
| Net Interest Margin | 3.17% | 3.24% | 3.62% | 3.91% | Beats 18% | 80 / 98 | | |
| Efficiency Ratio | 73.98% | 51.87% | 58.88% | 64.74% | Beats 8% | 91 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.76% | 0.01% | 0.33% | 1.05% | Beats 3% | 96 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 10.47% | 11.81% | 13.71% | 17.33% | Beats 12% | 86 / 98 | | |
| Total Risk-Based Capital Ratio | 10.47% | 11.81% | 14.13% | 17.45% | Beats 11% | 87 / 98 | | |
| Equity / Assets | 10.62% | 8.60% | 11.34% | 13.10% | Beats 45% | 54 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.97% | 57.09% | 69.84% | 82.47% | 5th pctl | 93 / 98 | | |
| Loans / Assets | 32.89% | 49.34% | 58.31% | 68.94% | 5th pctl | 93 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |