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Farmers State Bank of Bucklin, Kansas, The

Bucklin, KS · Cert 18101

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank of Bucklin, Kansas, The

Bucklin, KS · Cert 18101

State charter, non-member · FDIC · 1 branch

Q2 2026

$60.8MAssets
$34.9MLoans
$52.1MDeposits
$8.3MEquity
Loan mix
73%RE $11.1M20%C&I $3.1M7%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $33.0M37%Noninterest $19.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.57%, up 15 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.86%, up 136 bps from a year ago.
  • Funding: loans stand at 66.94% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.57%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+23 bps YoY

Efficiency Ratio (YTD, annualized)

45.55%-370 bps YoY

Tier 1 Leverage Ratio

12.86%+136 bps YoY

NIM

4.32%Q2 ’244.33%Q2 ’254.53%Q2 ’26+0%+6%

Non-interest income vs. expense

1.90%Q2 ’241.79%Q2 ’251.76%Q2 ’26-6%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.32%1.38%1.41%1.44%1.41%1.48%1.57%+15 bps
Return on Equity11.90%12.02%11.61%11.69%12.06%11.76%11.44%11.90%+21 bps
Net Interest Margin3.57%3.29%3.55%3.56%3.46%3.30%3.56%3.79%+23 bps
Efficiency Ratio51.49%51.45%49.91%49.25%47.85%49.98%46.75%45.55%-370 bps
Non-Interest Burden1.81%1.67%1.74%1.72%1.63%1.62%1.63%1.69%-3 bps
Growth
Asset Growth (YoY)-5.60%-3.75%-1.23%2.95%18.49%10.83%1.66%3.17%+22 bps
Loan Growth (YoY)4.89%13.34%14.39%5.37%1.93%1.36%1.07%10.98%+561 bps
Deposit Growth (YoY)-8.52%-5.61%-3.18%1.31%19.30%10.07%-0.23%1.55%+24 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.89%1.83%1.94%1.93%1.92%1.84%1.95%1.75%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.00%10.08%11.28%11.50%11.08%10.43%11.82%12.86%+136 bps
Total Risk-Based Capital11.00%10.08%11.28%11.50%11.08%10.43%11.82%12.86%+136 bps
Equity / Assets12.08%11.41%12.45%12.46%11.54%12.00%13.93%13.66%+120 bps
Liquidity & Funding
Loans / Deposits63.88%63.34%63.08%61.25%54.58%58.32%63.90%66.94%+569 bps
Liquid Assets / Assets11.45%11.16%12.52%11.64%9.62%10.03%10.15%10.28%-136 bps
CRE / Total Capitaln/an/an/an/a28.45%27.48%26.55%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers State Bank of Bucklin, Kansas, The

Bucklin, KS · Cert 18101 · Peer group: banks under $1B in assets in KS (n=98)

State charter, non-member · FDIC · 1 branch

Q2 2026

$60.8MAssets
$34.9MLoans
$52.1MDeposits
$8.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets in KS (rank 64 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.58%

Rank 21 of 98

Net Interest Margin

3.79%

Rank 34 of 98

Efficiency Ratio

45.55%

Rank 10 of 98

Equity / Assets

13.66%

Rank 21 of 98

Non-interest income vs. expense

$0.0M$1.0MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 91% of banks under $1B in assets in KS
Bank 45.55%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.58%1.03%1.24%1.54%Beats 79%21 / 98
Return on Equity11.58%8.85%11.58%14.73%Beats 50%49 / 98
Net Interest Margin3.79%3.24%3.62%3.91%Beats 65%34 / 98
Efficiency Ratio45.55%51.87%58.88%64.74%Beats 91%10 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio12.86%11.81%13.71%17.33%Beats 40%59 / 98
Total Risk-Based Capital Ratio12.86%11.81%14.13%17.45%Beats 35%64 / 98
Equity / Assets13.66%8.60%11.34%13.10%Beats 79%21 / 98
Liquidity & Funding
Loans / Deposits66.94%57.09%69.84%82.47%44th pctl55 / 98
Loans / Assets57.33%49.34%58.31%68.94%46th pctl53 / 98
Brokered Deposits / Depositsn/aNot reported for this institution