Farmers National Bank: how it compares with its peers
Against 83 KS banks with half to twice its assets, Farmers National Bank's strongest measure in Q2 2026 is efficiency ratio (50.78% vs. a 58.80% peer median). Its weakest relative measure is net interest margin (3.67% vs. 3.98%).
| Measure | Farmers National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.43% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.98% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.78% | 58.80% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.0M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.01% | 76.39% | Context |
What it means for lending operations
Its efficiency ratio of 50.78% is better than the 58.80% 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
- The Community Bank Liberal, KS · $174M
- The First National Bank of Scott City Scott City, KS · $174M
- American Bank of Baxter Springs Baxter Springs, KS · $170M
- Bank of Prairie Village Prairie Village, KS · $176M
- Impact Bank Wellington, KS · $167M
- The Farmers State Bank of Aliceville, Kansas Westphalia, KS · $180M
Questions about Farmers National Bank
How big is Farmers National Bank?
Farmers National Bank, established in 1921, is headquartered in Phillipsburg, KS. It reported $173M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Farmers National Bank's return on assets?
1.33% annualized in Q2 2026, against a 1.43% median for 83 KS banks with half to twice its assets, ahead of 35% of them.
What is Farmers National Bank's efficiency ratio?
50.78% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is Farmers National Bank growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 7.4%.
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.