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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 1.71%, up 24 bps year over year; NIM at 3.83%.
  • 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 (quarter, annualized)

1.71%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.83%+22 bps YoY

Efficiency Ratio (quarter, annualized)

44.37%-425 bps YoY

Tier 1 Leverage Ratio

12.86%+136 bps YoY

NIM

4.26%Q2 ’244.37%Q2 ’254.55%Q2 ’26+4%+6%

Non-interest income vs. expense

1.85%Q2 ’241.79%Q2 ’251.72%Q2 ’26-4%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.44%1.38%1.46%1.53%1.29%1.48%1.71%+24 bps
Return on Equity11.67%12.25%11.61%11.76%12.77%10.92%11.44%12.37%+61 bps
Net Interest Margin3.58%3.64%3.55%3.61%3.74%3.69%3.56%3.83%+22 bps
Efficiency Ratio49.42%51.36%49.91%48.62%45.35%55.49%46.75%44.37%-425 bps
Non-Interest Burden1.74%1.84%1.74%1.72%1.67%2.02%1.63%1.67%-6 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 / Loans0.00%0.00%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