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Overview / Commentary
209 Montana Avenue
Holton, KS 66436

The Farmers State Bank is headquartered in Holton and is the 204th largest bank in the state of Kansas. It is also the 5,820th largest bank in the nation. It was established in 1900 and as of June of 2014, it had grown to 17 employees at 1 location. The Farmers State Bank has a B health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Farmers State Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The Farmers State Bank had $231,000 in non-current loans and owned real-estate with $5.22 million in equity and loan loss allowances on hand to cover it. This gives The Farmers State Bank a Texas Ratio of 4.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Farmers State Bank decreased dramatically from 27.44% as of June 30, 2013 to 4.43% as of June 30, 2014, resulting in a positive change of 83.87%.This indicates that the balance sheet and financial strength for The Farmers State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The Farmers State Bank has decreased its total deposits by -$2.1 million, resulting in -4.51% 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 State Bank has shown is below average.



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 State Bank has $53.43 million in assets with $5.22 million in equity, resulting in a capitalization level of 9.77%, which is above average.

Institution Statistics

FDIC Certificate #15258
Year Established1900
Primary RegulatorFDIC
Assets and Liabilities
Assets$53.43 million
Loans$30.07 million
Deposits$44.56 million
Equity Capital$4.72 million
Loan Loss Allowance$501,000
Unbacked Noncurrent Loans$176,000
Real Estate Owned$55,000
Historic Data - June 2013
Assets$55.36 million
Equity Capital$4.95 million
Loan Loss Allowance$468,000
Unbacked Noncurrent Loans$176,000
Real Estate Owned$274,000
Profit Margin - Quarterly
Return on Assets0.6%
Return on Equity7.12%
Interest Income$1.21 million

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The Farmers State Bank Savings Account Rates

0.05%$50-Signature Savings

The Farmers State Bank Money Market Rates

0.20%$25k-MMDA Account

The Farmers State Bank Checking Account Rates

0.86%-$25kGo Green Rewards Checking - Qualifying
0.10%$1k-Plus Account
0.05%--Go Green Rewards Checking - Non Qualifying

The Farmers State Bank CD Rates

1.27%$50k-60 Month CD
0.91%$500-FSB Advantage - 36 Month Variable
0.58%$50k-24 Month CD
0.47%$50k-12 Month CD
0.44%$50k-15 Month CD
0.44%--Early Saver - 60 Month Variable
0.40%$50k-6 Month CD
0.20%$500-9 Month CD

The Farmers State Bank IRA Rates

1.27%$50k-60 Month IRA
0.58%$50k-24 Month IRA
0.47%$50k-12 Month IRA
0.44%$50k-15 Month IRA
0.40%$50k-6 Month IRA
0.20%$500-9 Month IRA

The Farmers State Bank Locations
The Farmers State Bank209 Montana AvenueHolton, KS 66436