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Farmers State Bank of Aliceville, Kansas, The

Westphalia, KS · Cert 18120

State charter, non-member · FDIC · 3 branches

Q2 2026

$179.6MAssets
$124.4MLoans
$143.7MDeposits
$35.0MEquity
Loan mix
85%RE $77.0M7%C&I $6.6M7%Consumer $6.7MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $120.5M16%Noninterest $23.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.63%, down 48 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 1.05% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.24%, down 25 bps from a year ago.
  • Funding: loans stand at 86.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.63%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-24 bps YoY

Efficiency Ratio (YTD, annualized)

47.28%+729 bps YoY

Tier 1 Leverage Ratio

19.24%-25 bps YoY

NIM

6.44%Q2 ’246.10%Q2 ’255.68%Q2 ’26-5%-6%

Non-interest income vs. expense

3.23%Q2 ’241.71%Q2 ’251.94%Q2 ’26-48%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.06%1.62%2.11%1.15%0.86%2.23%1.63%-48 bps
Return on Equity6.60%5.67%8.58%11.00%5.97%4.46%11.66%8.48%-252 bps
Net Interest Margin4.46%4.28%4.22%4.23%4.21%4.09%3.97%3.98%-24 bps
Efficiency Ratio61.69%66.00%50.30%39.99%68.04%75.39%28.68%47.28%+729 bps
Non-Interest Burden2.72%2.79%2.09%1.66%2.84%3.06%1.09%1.81%+15 bps
Growth
Asset Growth (YoY)-4.48%0.55%2.62%2.89%3.65%4.38%3.45%4.93%+204 bps
Loan Growth (YoY)-1.73%-1.29%0.53%-0.41%4.63%2.39%0.86%-1.57%-116 bps
Deposit Growth (YoY)-6.77%-0.83%1.71%4.71%3.62%4.54%3.09%5.34%+63 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.51%0.72%0.96%0.81%0.22%1.03%1.05%+9 bps
Net Charge-Offs / Loans0.00%0.26%-0.01%0.05%0.03%0.05%0.00%0.00%-5 bps
Allowance / Loans1.84%1.57%1.52%1.48%1.53%1.52%1.50%1.52%+4 bps
Allowance Coverage of NPLs3.0x3.1x2.1x1.5x1.9x6.9x1.5x1.4x-0.1x
Capital
Tier 1 Leverage Ratio19.07%18.47%18.61%19.48%19.25%18.67%18.85%19.24%-25 bps
Total Risk-Based Capital19.07%18.47%18.61%19.48%19.25%18.67%18.85%19.24%-25 bps
Equity / Assets19.30%18.93%18.91%19.79%19.62%18.97%19.27%19.49%-30 bps
Liquidity & Funding
Loans / Deposits88.45%89.03%89.75%92.65%89.31%87.20%87.80%86.57%-608 bps
Liquid Assets / Assets26.42%26.01%24.83%23.17%24.66%27.38%27.41%27.64%+447 bps
CRE / Total Capitaln/an/an/an/a35.08%26.32%31.41%n/an/a