B
The Farmers State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Farmers State Bank
Westmoreland, KS
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Rating B
Asset Quality Index 5.60
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 4.60
Stability Index 6.30
Company Info The Farmers State Bank
Westmoreland, KS
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FDIC Number 15164
Phone Number (785) 457-3316
Website www.bankwithfarmers.com
Asset Quality The Farmers State Bank
Westmoreland, KS
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1-Year Asset Growth 10.54%
5-Year Asset Growth 1.91%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 0.70%
Non-Performing Loans to Capital 8.60%
Non-Performing Loans to Loans 1.25%
Balance Sheet The Farmers State Bank
Westmoreland, KS
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Total Assets 257.67M
Total Deposits 226.24M
Capital and Reserves The Farmers State Bank
Westmoreland, KS
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Capital 30.78M
Leverage Ratio 13.88
Loan Loss Reserves to Loans 1.60%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank
Westmoreland, KS
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Hot Money Ratio 23.34%
Liquidity Ratio 33.28%
Profitability The Farmers State Bank
Westmoreland, KS
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5-Year Return on Average Assets 0.73%
Net Income 1.38M
Net Interest Spread 3.24%
Operating Profit to Average Assets 1.40%
Overhead Efficiency Ratio 57.58%
Return on Assets 1.08%
Return on Equity 8.96%