Headquartered in Dwight, Kansas, The Farmers State Bank is a state-chartered bank with $19.5M in total assets and $17.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1921.
The Farmers State Bank has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 178th. Funding & liquidity contributes the most (100/100, 36% loans-to-deposits, 4% uninsured); loan quality contributes the least (0/100, 6.76%).
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 fell 10 points (58 → 48), mostly because the problem-loan coverage component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 54 |
| Q4 2024 | 48 |
| Q1 2025 | 54 |
| Q2 2025 | 58 |
| Q3 2025 | 50 |
| Q4 2025 | 50 |
| Q1 2026 | 47 |
| Q2 2026 | 48 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.77% |
| Q3 2024 | 12.30% |
| Q4 2024 | 11.91% |
| Q1 2025 | 11.80% |
| Q2 2025 | 10.57% |
| Q3 2025 | 10.26% |
| Q4 2025 | 9.60% |
| Q1 2026 | 10.01% |
| Q2 2026 | 10.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 5.34% |
| Q3 2024 | 5.78% |
| Q4 2024 | 3.73% |
| Q1 2025 | 4.32% |
| Q2 2025 | 2.47% |
| Q3 2025 | 5.72% |
| Q4 2025 | 2.06% |
| Q1 2026 | 3.65% |
| Q2 2026 | 6.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.10% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $19.5M | 10.47% | 6.76% | 0.83% | 36.0% |
| Q1 2026 | 47 | $19.8M | 10.01% | 3.65% | 0.74% | 39.9% |
| Q4 2025 | 50 | $20.5M | 9.60% | 2.06% | 0.05% | 40.2% |
| Q3 2025 | 50 | $20.8M | 10.26% | 5.72% | 1.10% | 35.0% |
| Q2 2025 | 58 | $20.2M | 10.57% | 2.47% | 1.10% | 34.4% |
| Q1 2025 | 54 | $18.3M | 11.80% | 4.32% | 0.85% | 39.1% |
| Q4 2024 | 48 | $16.4M | 11.91% | 3.73% | 0.12% | 50.4% |
| Q3 2024 | 54 | $16.5M | 12.30% | 5.78% | 0.80% | 48.1% |
| Q2 2024 | 52 | $16.5M | 11.77% | 5.34% | 0.76% | 48.6% |
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 |
|---|---|---|---|---|---|
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| The Dickinson County BankBank Enterprise, KS | 73 out of 100, Strong | $23.4M | 13.7% | 2.09% | vs |
| The Peoples State BankBank Cherryvale, KS | 89 out of 100, Very strong | $23.5M | 19.8% | 0.33% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| The Walton State BankBank Walton, KS | 84 out of 100, Strong | $13.0M | 15.4% | 0.00% | vs |
| The Farmers State BankBank Fairview, KS | 75 out of 100, Strong | $26.6M | 10.2% | 0.66% | vs |
Deposit insurance
Is my money safe at The Farmers State Bank?
Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #17632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.4% of deposits ($769K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.47%, 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
The Farmers State Bank lists 1 office in 1 city. Most locations:
- Dwight, KS (1)
Identity & history
Profile
- Legal name
- The Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17632
- RSSD ID
- 976954
- Primary regulator
- FDIC
- Established
- January 1, 1921
- Headquarters
- 624 Main St, Dwight, KS 66849
- Website
- www.dwightfsb.com
- Employees
- 5
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 #17632). 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?
48 out of 100 (Below average), 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 #17632 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 Dwight
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Drovers BankBank Council Grove, KS | 87 out of 100, Very strong | $221.9M | 25.4% | 0.37% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| The Stockgrowers State BankBank Maple Hill, KS | 83 out of 100, Strong | $128.3M | 11.6% | 0.13% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| The First National Bank of HopeBank Hope, KS | 75 out of 100, Strong | $83.4M | 13.8% | 1.33% | vs |