The Farmers State Bank of Westmoreland: how it compares with its peers
Against 81 KS banks with half to twice its assets, The Farmers State Bank of Westmoreland's strongest measure in Q2 2026 is efficiency ratio (57.58% vs. a 58.57% peer median). Its weakest relative measure is net interest margin (3.38% vs. 3.96%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.48% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.96% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.58% | 58.57% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.9M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.65% | 76.92% | Context |
What it means for lending operations
Its efficiency ratio of 57.58% is better than the 58.57% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bankers' Bank of Kansas Wichita, KS · $256M
- Patriots Bank Garnett, KS · $269M
- FNB Bank Goodland, KS · $270M
- FirstOak Bank Independence, KS · $241M
- Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS · $276M
- Fusion Bank Larned, KS · $281M
Questions about The Farmers State Bank of Westmoreland
How big is The Farmers State Bank of Westmoreland?
The Farmers State Bank of Westmoreland, established in 1898, is headquartered in Westmoreland, KS. It reported $258M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Farmers State Bank of Westmoreland's return on assets?
1.10% annualized in Q2 2026, against a 1.48% median for 81 KS banks with half to twice its assets, ahead of 21% of them.
What is The Farmers State Bank of Westmoreland's efficiency ratio?
57.58% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is The Farmers State Bank of Westmoreland growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 10.6%.
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.