# FARMERS STATE BANK
HOLTON, KS · FDIC certificate 15258 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $86.3M | |
| Deposits | $74.4M | |
| Loans and leases | $50.6M | |
| Total equity | $9.6M | |
| Loans / deposits | 67.38% (p41 of band) | 73.59% |
| Liquid assets / assets | 38.59% (p61 of band) | |
| Uninsured deposits / deposits | 29.41% (p80 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.67% (p51 of band) | |
| FHLB advances / assets | 0.67% | |
| Tier 1 leverage | 12.74% (p61 of band) | 11.76% |
| Unrealized securities loss / equity | -20.18% (p23 of band) | -6.57% |
| AOCI / equity | -1.79% (p14 of band) | |
| ROA (annualized) | 1.62% (p74 of band) | 1.17% |
| Net interest margin | 4.05% (p57 of band) | 3.93% |
| Efficiency ratio | 52.26% (p18 of band) | |
| Noncurrent loans | 0.45% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 234.07% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 21.17% (p54 of band) | |
| Auto loans | $542,000 (1.07% of loans; DQ 4.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.6% | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, losing money |  |
| 2012-06 | 2 |  | losing money |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 3 | losing money, uninsured deposits leaving |  |
| 2013-03 | 1 |  | losing money, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 0 |  | reserve under noncurrent, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | charge-offs p90, capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling, deposits shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 1 |  | uninsured deposits leaving, capital falling, deposits shrinking |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 2 |  | securities losses >30% of equity |
| 2025-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-17 [Failed Bank Information for Small Business Bank, Lenexa, KS - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMie0FVX3lxTE9ubkk3SEprT0ZyUncwZHpYNEJfRHhKb2k5M3ZwY3lxN0N5SWswR1NFREJGSWNJSUU2UFV0eDVILWI0QWNteUxvQ0RjeFNkX1R2dXg3SGNPNkRkNXR6c0g5Q1VzcGpPUWo5WUp4Zk9fOUdzc3VNckpNX0hLUQ?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-08-27 [Farmers State Bank of Oakley goes from zero to two KC-area locations - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSHhOMW5jQkc0dTRYS2dOVmlwb1VZUkJicjdPY0sxSDdlcFd3aHNoR1VmX2UtZmZNcU9oaVIwOGtPRGhTYXNMNnYtTUc5OXJ1QmswZ1hfX0d2allKbEtaeGstcWxrLVVFeVJleXY5NU96UXdHWlE5QmpkbjN6a0M0SG0wZ2hvZUtucmJ1d0tyTUQ1RW00TDV1UUdLMWw1eFI5dnlHRnc3eVZEdw?oc=5) · The Business Journals
- 2026-07-20 [Farmers State Bank assumes deposits of Small Business Bank - Johnson County Post](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcGhxbE80dmVKNFd0QW9SN2xmUVo0aG9tXzhNeGJzN0o1VHR5eVR4b0dRa1lrb1FVS1VGcW1UWnVfWXJ0eGlta050SjdXRnltT08zRVFScGo1X19ERDlkd3VaRnVjaG1WcGVkWHlmN2ltbFNIbHJGYkxtOUVWeWR1a1J1aXN0elRFUVpRcl9zb0V5WWU3dmV0MkFiZnluLW1VT2pKRVRrY0E5V0k?oc=5) · Johnson County Post
- 2026-07-20 [Kansas’ Small Business Bank fails - Banking Dive](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNaUJ1Q2xPZjREN1dRTjFBcUhyRTlCT19RZGFTaF9KQUhRNk9FREloV0h3QmkwQy10c1BqdWNELWZUWHpMR29hZ2x1dGhkbFU0VzBJMDNBREZkaWJlQWJCaVk2U2d6QzRwVHdqZ1pPUEwxWGphVW5PT3YzbGJRbE1ucE5xTmROQ25KQVY5ak42aURRV05KU0xQM0g0T1NTUXFIb2NiLUVsVzhMalBDRjJTZ3lmRFg5NXFB?oc=5) · Banking Dive
- 2026-07-20 [A Kansas Community Bank Is the Fourth Bank Failure of 2026 - KBRA](https://news.google.com/rss/articles/CBMisAFBVV95cUxNU1lOVkN4b1BXc3g0M003YlpzeGxoTjBJa1E0WEhyXzFJWGVDcUYtM1hvX1ZpTHJmZC1pUWsxVGhXZ1Q2R2dYTkx6RTVhaXV2UEo5UXpHaVdsTExrZ3J3d25hcFJOZ29ObEJ1c0J1LTVpRXhUdk9jZ012TFpPQ0tNd05UamdsanpQN2xUTzJiaUJfRklYdjZ4TjdRZElodW40amt2NkdCQ1JLczNYREN4Vg?oc=5) · KBRA
- 2026-07-17 [The Kansas Office of the State Bank Commissioner closed Small Business Bank in Lenexa on Friday - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMizAFBVV95cUxQOXdYZFhCTUh4UFdsOThrT2VKTFRnb0x6WTZhNXllaUdJdEVJZjJmMmdpdXB1bEMybGUxcXozUi1ybmFKbmNDNGZWaW9rMlM5UFF1QXd4aVpjUDVoM1Z2aGlxV0doM1dPV1NzeXMwS3UyTlViaGVpRWFQTFNId1lEUEhfamxTV1ZCallXZ1AyTDRDX1Z4cVBiQnJNZTY5VmxwTGRtZ2M5Nk9IRlAyTkYwTVRpd2V3Z2REOWNnMUp5RUU2RTBxNW9NM3V3QUM?oc=5) · KSHB 41 Kansas City
- 2026-07-18 [State regulators shut down Lenexa bank; reopens Monday under new name - KCTV](https://news.google.com/rss/articles/CBMipAFBVV95cUxNV0N0eXUzQlQ2cE1Pb1pReFMzZEwwbnNuelNkV24yVmwtU2pINGNaMGkxUFJ6d1hlY1JIWGtFYjFHajNFWV9Td3liYWFoRERFRVlhSVRtTVJxakZJRmc0TVFjYm1teGItV3BXYUZhMENMLUtROXFQZlhzdDFuaVdya0lkbnZQYV9MUndfLXNIQnlCMUNjTHBPMHF2ampFc1V2ME9IZdIBuAFBVV95cUxNUG9pY0NnTk11U0IxMmJfNTBSakNQM3E5aHNGWGhlVzRMaHZjbU9jbUxoczcyQjFPV2hsbmVjTF9fdUZleGkxQTVTRG9HTkFaUmxHRHFTYll2NE9tcGM1amlHX2p0SUVPTFRReHExekVZdkdwNHl2YldMaUhkRy1Jc3FGTXd1WW5LSFZnVFZGbnVUQVZjUlJjbmZVT2o3bjNwWEFHck0zNjBHWW1mNDdVeXV0Z2pHV0U1?oc=5) · KCTV
- 2026-07-17 [Kansas bank becomes second in a week to fail, fourth this year - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRlduTTFqWVRlQWJrRERpNm1md1FmTlZHekFaZ0tYV0o3czU5QVBzVy1GbmpKaWFVaG9OTXNBZEJ6MGhUUjVzTGxhWXdPQ1FiUDZZNmFZUWtFczdGeHpZYk1KTldjM3ZZLVRNcTU0Y2JxaVNQUTJDMG5WcGRZc08xdjNvd1Q5cWVHM1NseUdB?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15258 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "15258", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide