Farmers State Bank of Aliceville, Kansas, The
Westphalia, KS · Cert 18120 · Peer group: banks under $1B in assets in KS (n=98)
State charter, non-member · FDIC · 3 branches
Q2 2026
$179.6MAssets
$124.4MLoans
$143.7MDeposits
$35.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: return on equity trails 77% of banks under $1B in assets in KS (rank 75 of 98).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.62%
Rank 19 of 98
Net Interest Margin
3.98%
Rank 24 of 98
Efficiency Ratio
47.28%
Rank 12 of 98
Equity / Assets
19.49%
Rank 8 of 98
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 89% 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 | 1.62% | 1.03% | 1.24% | 1.54% | Beats 81% | 19 / 98 | | |
| Return on Equity | 8.32% | 8.85% | 11.58% | 14.73% | Beats 23% | 75 / 98 | | |
| Net Interest Margin | 3.98% | 3.24% | 3.62% | 3.91% | Beats 76% | 24 / 98 | | |
| Efficiency Ratio | 47.28% | 51.87% | 58.88% | 64.74% | Beats 89% | 12 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.01% | 0.33% | 1.05% | Beats 26% | 74 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 19.24% | 11.81% | 13.71% | 17.33% | Beats 83% | 17 / 98 | | |
| Total Risk-Based Capital Ratio | 19.24% | 11.81% | 14.13% | 17.45% | Beats 79% | 21 / 98 | | |
| Equity / Assets | 19.49% | 8.60% | 11.34% | 13.10% | Beats 92% | 8 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.57% | 57.09% | 69.84% | 82.47% | 81st pctl | 19 / 98 | | |
| Loans / Assets | 69.29% | 49.34% | 58.31% | 68.94% | 77th pctl | 23 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |