The Farmers National Bank of Stafford

The Farmers National Bank of Stafford is headquartered in Stafford and is the 109^th largest bank in the state of Kansas. It is also the 4,595^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 26 employees at 4 locations. The Farmers National Bank of Stafford has a 4-star health rating.

The Farmers National Bank of Stafford Checking Account Rates

The Farmers National Bank of Stafford Savings Account Rates

The Farmers National Bank of Stafford Money Market Rates

The Farmers National Bank of Stafford CD Rates

The Farmers National Bank of Stafford IRA Rates

Data for Q1 2012

Institution Statistics The Farmers National Bank of Stafford FDIC Certificate # 4775 BankRate Report View Year Established 1886 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $114.40 million Loans $56.80 million Deposits $102.73 million Equity Capital $9.90 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.50 million Historic Data - March 2011 Assets $100.34 million Equity Capital $8.46 million Loan Loss Allowance $968,000 Unbacked Noncurrent Loans $632,000 Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 1.01% Return on Equity 11.46% Interest Income $1.06 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Farmers National Bank of Stafford had $1.5 million in non-current loans and owned real-estate with $10.91 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Stafford a Texas Ratio of 13.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Farmers National Bank of Stafford increased slightly from 6.70% as of March 31, 2011 to 13.74% as of March 31, 2012, resulting in a negative change of 105.05%. This indicates that the balance sheet and financial strength for The Farmers National Bank of Stafford has declined slightly in recent periods. Deposit Growth In the past year, The Farmers National Bank of Stafford has increased its total deposits by $12.48 million, resulting in 13.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Farmers National Bank of Stafford has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Farmers National Bank of Stafford has $114.4 million in assets with $10.91 million in equity, resulting in a capitalization level of 9.54%, which is average.

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