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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 1.57%, 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