The Farmers State Bank is a state-chartered bank headquartered in Mcpherson, Kansas, in business for about 117 years. At the end of Q2 2026 it reported $180.5M in total assets and $158.1M in deposits, with 4 offices.
The Farmers State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 74th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (50/100, 10.05%).
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 2 points (76 → 78), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 76 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.88% |
| Q3 2024 | 9.87% |
| Q4 2024 | 10.01% |
| Q1 2025 | 10.24% |
| Q2 2025 | 10.27% |
| Q3 2025 | 10.32% |
| Q4 2025 | 10.14% |
| Q1 2026 | 10.00% |
| Q2 2026 | 10.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.94% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $180.5M | 10.05% | 0.01% | 1.42% | 59.0% |
| Q1 2026 | 77 | $174.6M | 10.00% | 0.04% | 1.32% | 57.1% |
| Q4 2025 | 76 | $169.8M | 10.14% | 0.01% | 1.07% | 56.4% |
| Q3 2025 | 76 | $164.4M | 10.32% | 0.01% | 1.06% | 57.4% |
| Q2 2025 | 76 | $159.5M | 10.27% | 0.06% | 1.04% | 60.2% |
| Q1 2025 | 73 | $161.9M | 10.24% | 0.17% | 0.94% | 56.5% |
| Q4 2024 | 71 | $156.5M | 10.01% | 0.28% | 0.85% | 58.4% |
| Q3 2024 | 72 | $162.0M | 9.87% | 0.21% | 0.92% | 57.2% |
| Q2 2024 | 72 | $161.2M | 9.88% | 0.27% | 1.00% | 58.9% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| The Farmers State Bank of Aliceville, KansasBank Westphalia, KS | 82 out of 100, Strong | $179.6M | 19.2% | 1.05% | vs |
| The Solomon State BankBank Solomon, KS | 95 out of 100, Very strong | $182.6M | 19.0% | 0.00% | vs |
| Home Bank and Trust CompanyBank Eureka, KS | 67 out of 100, Moderate | $183.3M | 8.3% | 0.63% | vs |
| Bank of Prairie VillageBank Prairie Village, KS | 72 out of 100, Strong | $175.7M | 10.2% | 0.07% | vs |
| Southwind BankBank Natoma, KS | 70 out of 100, Strong | $186.6M | 10.4% | 0.74% | vs |
| The First National Bank of Scott CityBank Scott City, KS | 85 out of 100, Very strong | $173.8M | 14.5% | 0.33% | vs |
Deposit insurance
Is my money safe at The Farmers State Bank?
Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #13883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.1% of deposits ($44.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.05%, 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%).
4 locations
Branches
The Farmers State Bank lists 4 offices in 3 cities. Most locations:
- Mcpherson, KS (2)
- Galva, KS (1)
- Lindsborg, KS (1)
Identity & history
Profile
- Legal name
- The Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13883
- RSSD ID
- 801056
- Primary regulator
- FDIC
- Holding company
- Galva Bancshares Inc
- Established
- October 9, 1909
- Headquarters
- 2074 E Kansas Ave, Mcpherson, KS 67460
- Website
- www.fsb-online.com
- Employees
- 22
Quick answers
The Farmers State Bank: common questions
Is The Farmers State Bank FDIC insured?
Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #13883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Farmers State Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Farmers State Bank ever failed?
There is no failure record for FDIC certificate #13883 in the FDIC failed bank list.
How many branches does The Farmers State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcpherson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State BankBank Moundridge, KS | 95 out of 100, Very strong | $450.6M | 14.4% | 0.01% | vs |
| The State Bank of Canton, Canton, KansasBank Canton, KS | 91 out of 100, Very strong | $36.6M | 22.1% | 0.00% | vs |
| The Walton State BankBank Walton, KS | 84 out of 100, Strong | $13.0M | 15.4% | 0.00% | vs |
| Dillon Credit UnionCredit union Hutchinson, KS | 82 out of 100, Strong | $79.8M | 14.0% | 1.11% | vs |
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |