TellerScore

The Farmers State Bank of Westmoreland is a state-chartered bank headquartered in Westmoreland, Kansas, in business for about 128 years. At the end of Q2 2026 it reported $257.7M in total assets and $226.2M in deposits, with 3 offices.

The Farmers State Bank of Westmoreland has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 131st. Capital cushion contributes the most (89/100, 13.88%); loan quality contributes the least (32/100, 2.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Tier 1 leverage ratio: 13.88%
Loan quality32/100
Noncurrent loans ÷ total loans: 2.03%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 62.6% · 23.9% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.83%

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 12 points (57 → 69), mostly because the loan quality component improved by 32 points.

TellerScore
566573Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202457
Q4 202457
Q1 202556
Q2 202557
Q3 202565
Q4 202568
Q1 202673
Q2 202669
Tier 1 leverage ratio
5.00%9.84%14.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.22%
Q3 202414.68%
Q4 202414.54%
Q1 202514.09%
Q2 202514.22%
Q3 202514.69%
Q4 202514.59%
Q1 202614.27%
Q2 202613.88%
Noncurrent loans
1.79%2.95%4.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.34%
Q3 20242.99%
Q4 20242.78%
Q1 20253.31%
Q2 20254.11%
Q3 20252.52%
Q4 20252.07%
Q1 20261.79%
Q2 20262.03%
Return on assets
0.55%0.83%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.64%
Q4 20240.55%
Q1 20250.65%
Q2 20250.79%
Q3 20250.84%
Q4 20250.83%
Q1 20261.10%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$257.7M13.88%2.03%1.10%62.6%
Q1 202673$255.5M14.27%1.79%1.10%62.3%
Q4 202568$235.1M14.59%2.07%0.83%68.0%
Q3 202565$234.6M14.69%2.52%0.84%65.4%
Q2 202557$233.1M14.22%4.11%0.79%66.8%
Q1 202556$236.4M14.09%3.31%0.65%64.5%
Q4 202457$224.5M14.54%2.78%0.55%75.5%
Q3 202457$221.6M14.68%2.99%0.64%75.7%
Q2 202460$224.5M14.22%2.34%0.57%75.6%

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).

Capital ratio13.88%
81st
Total risk-based capital0.00%
24th
Problem loans2.03%
12th
Net charge-offs0.12%
18th
Return on assets1.10%
41st
Net interest margin3.38%
23rd
Efficiency ratio57.6%
64th
Loans to deposits62.6%
80th
Uninsured deposits23.9%
50th
Loan-loss reserves1.60%
84th
Texas ratio8.8%
21st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Bankers' Bank of KansasBank Wichita, KS64 out of 100, Moderate$255.7M16.3%1.51%vs
Patriots BankBank Garnett, KS77 out of 100, Strong$268.8M9.2%0.00%vs
FNB BankBank Goodland, KS45 out of 100, Below average$270.3M10.2%4.03%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs
Citizens State Bank and Trust Co., Ellsworth, KansasBank Ellsworth, KS72 out of 100, Strong$275.9M9.7%0.12%vs
Fusion BankBank Larned, KS88 out of 100, Very strong$281.0M12.8%0.47%vs

Deposit insurance

Is my money safe at The Farmers State Bank of Westmoreland?

Yes. The Farmers State Bank of Westmoreland is an FDIC-insured institution (FDIC certificate #15164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.9% of deposits ($54.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.88%, 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

3 locations

Branches

The Farmers State Bank of Westmoreland lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Farmers State Bank of Westmoreland reported 55 home-loan applications under HMDA (LEI 549300ZP58VS10D8CK07): 51 originated ($8,675,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, 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 of Westmoreland
Type
State-chartered bank
FDIC certificate #
15164
RSSD ID
615851
Primary regulator
FDIC
Established
January 1, 1898
Headquarters
307 Main St, Westmoreland, KS 66549
Employees
37

Quick answers

The Farmers State Bank of Westmoreland: common questions

Is The Farmers State Bank of Westmoreland FDIC insured?

Yes. The Farmers State Bank of Westmoreland is an FDIC-insured institution (FDIC certificate #15164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Farmers State Bank of Westmoreland'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 The Farmers State Bank of Westmoreland ever failed?

There is no failure record for FDIC certificate #15164 in the FDIC failed bank list.

How many branches does The Farmers State Bank of Westmoreland have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Westmoreland

InstitutionScoreAssetsCapitalProblem loansCompare
Union State BankBank Olsburg, KS89 out of 100, Very strong$44.3M12.7%0.00%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
First Commerce BankBank Marysville, KS79 out of 100, Strong$138.5M11.8%0.26%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs