The Farmers State Bank of Oakley, Kansas is a state-chartered bank headquartered in Oakley, Kansas, in business for about 119 years. At the end of Q2 2026 it reported $396.1M in total assets and $295.1M in deposits, with 3 offices.
Based on its Q2 2026 filing, The Farmers State Bank of Oakley, Kansas scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 87th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (43/100; 89% loans-to-deposits, 40% uninsured).
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 2 points (78 → 76), mostly because the capital cushion component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 71 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.89% |
| Q3 2024 | 12.97% |
| Q4 2024 | 12.32% |
| Q1 2025 | 12.30% |
| Q2 2025 | 12.52% |
| Q3 2025 | 13.38% |
| Q4 2025 | 11.30% |
| Q1 2026 | 11.95% |
| Q2 2026 | 11.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.36% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $396.1M | 11.61% | 0.01% | 1.32% | 89.3% |
| Q1 2026 | 71 | $389.1M | 11.95% | 0.60% | 1.29% | 88.0% |
| Q4 2025 | 73 | $374.4M | 11.30% | 0.16% | 1.18% | 88.0% |
| Q3 2025 | 75 | $376.0M | 13.38% | 0.81% | 1.36% | 91.0% |
| Q2 2025 | 78 | $303.0M | 12.52% | 0.00% | 1.36% | 101.1% |
| Q1 2025 | 76 | $300.8M | 12.30% | 0.00% | 1.27% | 103.5% |
| Q4 2024 | 75 | $304.4M | 12.32% | 0.02% | 1.32% | 110.0% |
| Q3 2024 | 78 | $282.3M | 12.97% | 0.18% | 1.36% | 103.5% |
| Q2 2024 | 79 | $276.8M | 12.89% | 0.02% | 1.37% | 99.6% |
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 |
|---|---|---|---|---|---|
| Mutual Savings AssociationBank Leavenworth, KS | 80 out of 100, Strong | $398.6M | 23.8% | 1.11% | vs |
| Commercial BankBank Parsons, KS | 62 out of 100, Moderate | $382.2M | 8.3% | 0.72% | vs |
| Guaranty State Bank and Trust CompanyBank Beloit, KS | 72 out of 100, Strong | $381.4M | 11.6% | 0.60% | vs |
| ESB FinancialBank Emporia, KS | 59 out of 100, Moderate | $381.3M | 9.1% | 1.58% | vs |
| Bank of HaysBank Hays, KS | 75 out of 100, Strong | $379.2M | 10.0% | 0.47% | vs |
| Community First National BankBank Manhattan, KS | 77 out of 100, Strong | $374.7M | 10.9% | 0.20% | vs |
Deposit insurance
Is my money safe at The Farmers State Bank of Oakley, Kansas?
Yes. The Farmers State Bank of Oakley, Kansas is an FDIC-insured institution (FDIC certificate #1867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.9% of deposits ($117.7M) 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 11.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.71% (benchmark: 10%).
3 locations
Branches
The Farmers State Bank of Oakley, Kansas lists 3 offices in 3 cities. Most locations:
- Eudora, KS (1)
- Lenexa, KS (1)
- Oakley, KS (1)
Identity & history
Profile
- Legal name
- The Farmers State Bank of Oakley, Kansas
- Type
- State-chartered bank
- FDIC certificate #
- 1867
- RSSD ID
- 278256
- Primary regulator
- FDIC
- Holding company
- Security Bancshares Inc
- Established
- March 17, 1907
- Headquarters
- 100 Center Ave, Oakley, KS 67748
- Website
- www.fsboakley.com
- Employees
- 23
Quick answers
The Farmers State Bank of Oakley, Kansas: common questions
Is The Farmers State Bank of Oakley, Kansas FDIC insured?
Yes. The Farmers State Bank of Oakley, Kansas is an FDIC-insured institution (FDIC certificate #1867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Farmers State Bank of Oakley, Kansas's TellerScore?
76 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 of Oakley, Kansas ever failed?
There is no failure record for FDIC certificate #1867 in the FDIC failed bank list.
How many branches does The Farmers State Bank of Oakley, Kansas have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oakley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tri-County Credit UnionCredit union Grinnell, KS | 91 out of 100, Very strong | $5.9M | 16.5% | 0.00% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Farmers Bank & TrustBank Atwood, KS | 73 out of 100, Strong | $159.0M | 10.6% | 0.75% | vs |
| Farmers & Merchants Bank of ColbyBank Colby, KS | 73 out of 100, Strong | $650.8M | 11.2% | 0.61% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |