The Farmers State Bank: how it compares with its peers
Against 59 KS banks with half to twice its assets, The Farmers State Bank's strongest measure in Q2 2026 is efficiency ratio (52.26% vs. a 59.60% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $7.1M).
| Measure | The Farmers State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.36% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.05% | 3.94% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.26% | 59.60% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.1M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.38% | 70.40% | Context |
What it means for lending operations
Its efficiency ratio of 52.26% is better than the 59.60% 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
- FNB Washington Washington, KS · $88M
- The Farmers State Bank Wathena, KS · $85M
- The First State Bank Ness City, KS · $84M
- The First National Bank of Dighton Dighton, KS · $89M
- New Century Bank Belleville, KS · $89M
- The First National Bank of Hope Hope, KS · $83M
Questions about The Farmers State Bank
How big is The Farmers State Bank?
The Farmers State Bank, established in 1900, is headquartered in Holton, KS. It reported $86M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Farmers State Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.36% median for 59 KS banks with half to twice its assets, ahead of 73% of them.
What is The Farmers State Bank's efficiency ratio?
52.26% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 59.60%, and lower is better.
Is The Farmers State Bank growing its loans?
Net loans grew 2.2% over the year to Q2 2026, while deposits grew 12.6%.
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.