TellerScore

The Farmers State Bank (FDIC certificate #15258) is based in Holton, Kansas. Its Q2 2026 call report shows $86.3M in total assets and $74.4M in deposits and 1 office.

The Farmers State Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 73% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 41st. Problem-loan coverage contributes the most (96/100, 2.2%); funding & liquidity contributes the least (77/100, 67% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.74%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 67.4% · 29.4% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.24%

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 13 points (70 → 83), mostly because the earnings component improved by 49 points.

TellerScore
567083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202462
Q4 202457
Q1 202556
Q2 202570
Q3 202576
Q4 202580
Q1 202682
Q2 202683
Tier 1 leverage ratio
5.00%9.32%13.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.56%
Q3 202413.37%
Q4 202413.42%
Q1 202513.64%
Q2 202512.96%
Q3 202513.22%
Q4 202513.42%
Q1 202612.48%
Q2 202612.74%
Noncurrent loans
0.21%1.61%3.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.47%
Q3 20242.47%
Q4 20242.67%
Q1 20253.00%
Q2 20250.69%
Q3 20250.55%
Q4 20250.37%
Q1 20260.21%
Q2 20260.45%
Return on assets
0.41%1.02%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20241.24%
Q4 20240.89%
Q1 20250.93%
Q2 20250.41%
Q3 20250.75%
Q4 20250.96%
Q1 20261.33%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$86.3M12.74%0.45%1.62%67.4%
Q1 202682$84.5M12.48%0.21%1.33%68.4%
Q4 202580$82.1M13.42%0.37%0.96%73.1%
Q3 202576$75.5M13.22%0.55%0.75%77.9%
Q2 202570$76.9M12.96%0.69%0.41%74.2%
Q1 202556$74.8M13.64%3.00%0.93%75.5%
Q4 202457$73.9M13.42%2.67%0.89%78.9%
Q3 202462$73.1M13.37%2.47%1.24%80.6%
Q2 202456$76.9M12.56%2.47%0.84%76.0%

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).

Capital ratio12.74%
50th
Total risk-based capital0.00%
27th
Problem loans0.45%
48th
Net charge-offs-0.00%
81st
Return on assets1.62%
80th
Net interest margin4.05%
59th
Efficiency ratio52.3%
87th
Loans to deposits67.4%
47th
Uninsured deposits29.4%
13th
Loan-loss reserves1.04%
36th
Texas ratio2.2%
48th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
FNB WashingtonBank Washington, KS92 out of 100, Very strong$87.8M25.9%0.18%vs
The Farmers State BankBank Wathena, KS72 out of 100, Strong$84.7M13.6%1.74%vs
The First State BankBank Ness City, KS92 out of 100, Very strong$84.3M15.3%0.00%vs
The First National Bank of DightonBank Dighton, KS64 out of 100, Moderate$88.5M16.1%2.39%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
The First National Bank of HopeBank Hope, KS75 out of 100, Strong$83.4M13.8%1.33%vs

Deposit insurance

Is my money safe at The Farmers State Bank?

Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #15258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($21.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.74%, 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%).

Check how much of your own balance is covered

1 location

Branches

The Farmers State Bank lists 1 office in 1 city. Most locations:

  • Holton, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Farmers State Bank reported 57 home-loan applications under HMDA (LEI 549300BP2WBHKWIZA420): 47 originated ($9,295,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Farmers State Bank
Type
State-chartered bank
FDIC certificate #
15258
RSSD ID
863652
Primary regulator
FDIC
Holding company
Farmers State Bankshares Inc
Established
October 30, 1900
Headquarters
209 Montana Ave, Holton, KS 66436
Employees
12

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 #15258). 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?

83 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 #15258 in the FDIC failed bank list.

How many branches does The Farmers State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holton

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
First Heritage BankBank Centralia, KS73 out of 100, Strong$303.4M9.0%0.00%vs
Bank of the Flint HillsBank Wamego, KS71 out of 100, Strong$544.5M8.6%0.03%vs