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The Farmers State Bank Of Westmoreland
Westmoreland, KS · FDIC Certificate #15164 · Chartered 01/0
Total assets
$257.67M
Total deposits
$226.24M
Total equity
$30.78M
Net loans
$141.74M
Branches (offices)
3
Net income (YTD)
$1.38M
Rank: #2,670 of 4,213 U.S. banks by assets · #79 of 183 in Kansas. Assets changed 10.5% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 8.97% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 11.95% |
| Tier 1 leverage ratio | 13.88% |
| Uninsured deposits (share of deposits) | 23.9% |
| Noncurrent loans (share of loans) | 2.03% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 62.6% |
| Real estate loans (share of loans) | 61.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $87.54M | 61.8% | |
| Commercial & industrial | $19.09M | 13.5% | |
| Consumer / individual | $4.32M | 3.0% | |
| Construction & development | $13.60M | 9.6% | |
| Agricultural | $32.43M | 22.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $231.79M | $204.26M | $1.34M | $27.36M |
| Jun 2023 | $222.52M | $193.92M | $881.00K | $23.43M |
| Jun 2024 | $224.49M | $198.87M | $645.00K | $25.32M |
| Jun 2025 | $233.11M | $204.53M | $918.00K | $28.15M |
| Jun 2026 | $257.67M | $226.24M | $1.38M | $30.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $226.24M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $226.24M.
Similar-sized banks
First National Bank Of Kentucky ($258.05M) · Cendera Bank ($257.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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