Farmers State Bank (FDIC certificate #14344) is based in Phillipsburg, Kansas. Its Q2 2026 call report shows $42.8M in total assets and $36.2M in deposits and 1 office.
Based on its Q2 2026 filing, Farmers State Bank scores 69/100, which we describe as moderate. That is higher than only 37% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 133rd. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 14% uninsured), and its lowest is loan quality (56/100; 1.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (64 → 69), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 61 |
| Q2 2025 | 64 |
| Q3 2025 | 65 |
| Q4 2025 | 64 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.66% |
| Q3 2024 | 11.84% |
| Q4 2024 | 11.74% |
| Q1 2025 | 11.97% |
| Q2 2025 | 12.27% |
| Q3 2025 | 12.17% |
| Q4 2025 | 12.02% |
| Q1 2026 | 11.82% |
| Q2 2026 | 11.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.66% |
| Q1 2025 | 1.96% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.87% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $42.8M | 11.73% | 1.32% | 0.96% | 61.2% |
| Q1 2026 | 69 | $42.5M | 11.82% | 1.20% | 0.80% | 62.0% |
| Q4 2025 | 64 | $41.0M | 12.02% | 1.87% | 0.91% | 64.8% |
| Q3 2025 | 65 | $42.0M | 12.17% | 1.76% | 0.94% | 68.7% |
| Q2 2025 | 64 | $39.8M | 12.27% | 1.83% | 0.86% | 70.6% |
| Q1 2025 | 61 | $39.5M | 11.97% | 1.96% | 0.60% | 65.5% |
| Q4 2024 | 71 | $38.4M | 11.74% | 0.66% | 0.62% | 70.8% |
| Q3 2024 | 71 | $39.6M | 11.84% | 0.82% | 0.70% | 71.8% |
| Q2 2024 | 70 | $39.6M | 11.66% | 0.85% | 0.72% | 74.3% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ventura National Bank & TrustBank Harveyville, KS | 72 out of 100, Strong | $41.7M | 17.9% | 0.09% | vs |
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| Ninnescah Valley BankBank Cunningham, KS | 57 out of 100, Moderate | $44.6M | 12.0% | 3.54% | vs |
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
| The First State Bank of RansomBank Ransom, KS | 91 out of 100, Very strong | $48.9M | 20.1% | 0.34% | vs |
| The State Bank of Canton, Canton, KansasBank Canton, KS | 91 out of 100, Very strong | $36.6M | 22.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Farmers State Bank?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #14344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.3% of deposits ($5.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Farmers State Bank lists 1 office in 1 city. Most locations:
- Phillipsburg, KS (1)
Identity & history
Profile
- Legal name
- Farmers State Bank
- Former names
- The Farmers State Bank of Stuttgart, Kansas
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 14344
- RSSD ID
- 603559
- Primary regulator
- FED
- Holding company
- Phillips Holdings Inc
- Established
- January 1, 1909
- Headquarters
- 110 W State St, Phillipsburg, KS 67661
- Website
- www.fsbphillipsburg.com
- Employees
- 5
Quick answers
Farmers State Bank: common questions
Is Farmers State Bank FDIC insured?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #14344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers State Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers State Bank ever failed?
There is no failure record for FDIC certificate #14344 in the FDIC failed bank list.
How many branches does Farmers State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Phillipsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| First National Bank and TrustBank Phillipsburg, KS | 72 out of 100, Strong | $322.2M | 14.7% | 1.87% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |