Farmers State Bank of Oakley, Kansas, The
Oakley, KS · Cert 1867 · Peer group: banks under $1B in assets in KS (n=98) · Security Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (12 in holding)
Q2 2026
$396.1MAssets
$265.7MLoans
$295.1MDeposits
$46.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets in KS (rank 25 of 98).
- Widest gap: net interest margin trails 81% of banks under $1B in assets in KS (rank 79 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.29%
Rank 45 of 98
Net Interest Margin
3.18%
Rank 79 of 98
Efficiency Ratio
54.06%
Rank 29 of 98
Equity / Assets
11.83%
Rank 41 of 98
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 71% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 1.03% | 1.24% | 1.54% | Beats 54% | 45 / 98 | |
| Return on Equity | 10.86% | 8.85% | 11.58% | 14.73% | Beats 46% | 53 / 98 | |
| Net Interest Margin | 3.18% | 3.24% | 3.62% | 3.91% | Beats 19% | 79 / 98 | |
| Efficiency Ratio | 54.06% | 51.87% | 58.88% | 64.74% | Beats 71% | 29 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.33% | 1.05% | Beats 76% | 25 / 98 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 33% | 67 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 13.07% | 11.81% | 13.71% | 17.33% | Beats 46% | 53 / 98 | |
| Total Risk-Based Capital Ratio | 13.71% | 11.81% | 14.13% | 17.45% | Beats 48% | 51 / 98 | |
| Equity / Assets | 11.83% | 8.60% | 11.34% | 13.10% | Beats 58% | 41 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 90.02% | 57.09% | 69.84% | 82.47% | 87th pctl | 13 / 98 | |
| Loans / Assets | 67.08% | 49.34% | 58.31% | 68.94% | 69th pctl | 30 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |