The Farmers State Bank: how it compares with its peers
Against 12 KS banks with half to twice its assets, The Farmers State Bank's strongest measure in Q2 2026 is efficiency ratio (73.98% vs. a 68.50% peer median). Its weakest relative measure is net interest margin (3.20% vs. 3.99%).
| Measure | The Farmers State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.09% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.20% | 3.99% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.98% | 68.50% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $5.5M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.96% | 56.36% | Context |
What it means for lending operations
Its efficiency ratio of 73.98% is above the 68.50% 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
- National Advisors Trust Company Leawood, KS · $22M
- The Dickinson County Bank Enterprise, KS · $23M
- The Peoples State Bank Cherryvale, KS · $23M
- The Baxter State Bank Baxter Springs, KS · $25M
- The Walton State Bank Walton, KS · $13M
Questions about The Farmers State Bank
How big is The Farmers State Bank?
The Farmers State Bank, established in 1921, is headquartered in Dwight, KS. It reported $20M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Farmers State Bank's return on assets?
0.83% annualized in Q2 2026, against a 1.09% median for 12 KS banks with half to twice its assets, ahead of 25% of them.
What is The Farmers State Bank's efficiency ratio?
73.98% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 68.50%, and lower is better.
Is The Farmers State Bank growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits shrank 3.6%.
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.