The Farmers State Bank of Oakley, Kansas: how it compares with its peers
Against 68 KS banks with half to twice its assets, The Farmers State Bank of Oakley, Kansas's strongest measure in Q2 2026 is assets per employee ($17.2M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (3.54% vs. 4.07%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.52% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.54% | 4.07% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.74% | 59.14% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.2M | $6.6M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.25% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 50.74% is better than the 59.14% 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
- Mutual Savings Association Leavenworth, KS · $399M
- Commercial Bank Parsons, KS · $382M
- Guaranty State Bank and Trust Company Beloit, KS · $381M
- ESB Financial Emporia, KS · $381M
- Bank of Hays Hays, KS · $379M
- Community First National Bank Manhattan, KS · $375M
Questions about The Farmers State Bank of Oakley, Kansas
How big is The Farmers State Bank of Oakley, Kansas?
The Farmers State Bank of Oakley, Kansas, established in 1907, is headquartered in Oakley, KS. It reported $396M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Farmers State Bank of Oakley, Kansas's return on assets?
1.32% annualized in Q2 2026, against a 1.52% median for 68 KS banks with half to twice its assets, ahead of 31% of them.
What is The Farmers State Bank of Oakley, Kansas's efficiency ratio?
50.74% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 59.14%, and lower is better.
Is The Farmers State Bank of Oakley, Kansas growing its loans?
Net loans grew 23.1% over the year to Q2 2026, while deposits grew 39.5%.
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.