Farmers and Merchants Bank of Mound City, Kansas: how it compares with its peers
Against 53 KS banks with half to twice its assets, Farmers and Merchants Bank of Mound City, Kansas's strongest measure in Q2 2026 is assets per employee ($9.3M vs. a $7.0M peer median). Its weakest relative measure is efficiency ratio (66.35% vs. 62.25%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.31% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.94% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.35% | 62.25% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $7.0M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.44% | 67.38% | Context |
What it means for lending operations
Its efficiency ratio of 66.35% is above the 62.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Spearville Spearville, KS · $62M
- First National Bank in Frankfort Frankfort, KS · $62M
- Elevate Bank, National Association Sedan, KS · $61M
- The Farmers State Bank of Bucklin, Kansas Bucklin, KS · $61M
- Bank of Holyrood Holyrood, KS · $70M
- Argentine Federal Savings Kansas City, KS · $70M
Questions about Farmers and Merchants Bank of Mound City, Kansas
How big is Farmers and Merchants Bank of Mound City, Kansas?
Farmers and Merchants Bank of Mound City, Kansas, established in 1893, is headquartered in Mound City, KS. It reported $65M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Farmers and Merchants Bank of Mound City, Kansas's return on assets?
1.24% annualized in Q2 2026, against a 1.31% median for 53 KS banks with half to twice its assets, ahead of 40% of them.
What is Farmers and Merchants Bank of Mound City, Kansas's efficiency ratio?
66.35% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 62.25%, and lower is better.
Is Farmers and Merchants Bank of Mound City, Kansas growing its loans?
Net loans shrank 4.7% over the year to Q2 2026, while deposits grew 6.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.