Farmers State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 14.4 percent from a year earlier contributes to the Good asset quality (6.0). Fair liquidity 4.0, driven by a liquidity ratio of 41.6 percent and a “hot money” ratio of 26.6 percent.
Asset Mix:
Securities (37%), home mtgs (13%), consumer loans (6%), comm loans (4%), cash (4%), comm re (3%), other (33%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Phillips Holdings, Inc.
Investment Rating
--
Address
110 West State Street
Phillipsburg, KS 67661
Phillipsburg, KS 67661
Phone Number
(785) 543-5199
Year Founded
1909
FDIC Number
Website
Largest Affiliates
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