Farmers National Bank of Stafford, The
Stafford, KS · Cert 4775 · Peer group: banks under $1B in assets in KS (n=101)
FDIC · 4 branches
Q2 2025
$133.6MAssets
$81.7MLoans
$121.7MDeposits
$11.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 23 of 101).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets in KS (rank 101 of 101).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.10%
Rank 100 of 101
Net Interest Margin
3.24%
Rank 59 of 101
Efficiency Ratio
104.21%
Rank 101 of 101
Equity / Assets
8.41%
Rank 70 of 101
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 1% 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 | -0.10% | 0.89% | 1.13% | 1.40% | Beats 1% | 100 / 101 | | |
| Return on Equity | -1.18% | 8.18% | 10.72% | 13.42% | Beats 1% | 100 / 101 | | |
| Net Interest Margin | 3.24% | 3.07% | 3.37% | 3.77% | Beats 42% | 59 / 101 | | |
| Efficiency Ratio | 104.21% | 53.09% | 61.45% | 67.38% | Beats 1% | 101 / 101 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.23% | 1.02% | Beats 100% | 23 / 101 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 55% | 46 / 101 | | |
| Capital |
| Tier 1 Capital Ratio | 11.81% | 12.12% | 14.01% | 17.22% | Beats 22% | 79 / 101 | | |
| Total Risk-Based Capital Ratio | 12.60% | 12.27% | 14.49% | 18.09% | Beats 29% | 72 / 101 | | |
| Equity / Assets | 8.41% | 7.85% | 10.57% | 13.25% | Beats 31% | 70 / 101 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.16% | 54.19% | 71.53% | 82.08% | 42nd pctl | 59 / 101 | | |
| Loans / Assets | 61.19% | 48.29% | 59.15% | 67.91% | 54th pctl | 46 / 101 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |