# FARMERS NATIONAL BANK
PHILLIPSBURG, KS · FDIC certificate 4611 · 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 | $172.5M | |
| Deposits | $136.7M | |
| Loans and leases | $85.0M | |
| Total equity | $35.2M | |
| Loans / deposits | 61.01% (p32 of band) | 73.59% |
| Liquid assets / assets | 48.81% (p77 of band) | |
| Uninsured deposits / deposits | 9.80% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.63% (p89 of band) | 11.76% |
| Unrealized securities loss / equity | -4.77% (p58 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.33% (p59 of band) | 1.17% |
| Net interest margin | 3.67% (p36 of band) | 3.93% |
| Efficiency ratio | 50.78% (p15 of band) | |
| Noncurrent loans | 0.41% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 456.98% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 4.68% (p28 of band) | |
| Auto loans | $1.2M (1.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2018-12 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | uninsured deposits leaving |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 0 |  | charge-offs p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | charge-offs p90 | capital falling |
| 2022-03 | 5 | losing money, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 2 |  | losing money, noncurrent p90, reserve under noncurrent |
| 2022-09 | 2 | uninsured deposits leaving | NIM <2.5% |
| 2022-12 | 1 |  | uninsured deposits leaving |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-09-08 [Farmers National Bank hires western Pennsylvania retail market manager from First Commonwealth - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSzk4SFB5OXJTdjE1eThGY083TzctSXdobU44bXRpTTdDaEF2c3hlam91ZlNkZlgwdEk1bFVib19JRFg5MXlvci1ydXlRNU5pS215bHpwbnY0cmtqZ3pqMmwwbm4wTVpWcDhhWnhqM1FRbjYtUnhoelE1VmJZeDJBUFpPV1ZzTlk2ZFNJUUZvY0tzbVFCNnZ5YnBibVhteVVSNlVrY1JWZTU5dw?oc=5) · The Business Journals
- 2025-10-23 [Ohio banks to merge in $299M deal - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcC1la25EQWxXT3dLLWVNc1M4ak1zX3JpUVo2enhWZ3l4N3YtMEhoaUR1eHBmXzB6UFRTdkE4OUNjVHZwVmFoLUwyVWd2UlZUanBvdWFtNENtZHdwekJyN01HTXZNQ0s3NV9EYk9ZalRDaW9Rb1ZTWU5WRktTN1dnVDd4NXlVbjlIc19jMTdfOHd0TTZRbE9FWGdmUVdYU2VLaEVOMXFB?oc=5) · Banking Dive
- 2026-06-11 [Farmers National Bank hires commercial banking team leader in Pittsburgh - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOMW02UjhHc3RMS0NST19SLVEtaFhGOG00ZHREcVJvNFJ4SmwyMWtSZ0JvQVRMRUl0dTBwSUh6dkVNS1Npb0NZTGJzdkdGdGE4YmFoLTRSakhzLTFrT01VOEpXUGpDemx1akRKYzIwRy1aZF9mVFFrMGhpSGwwTFBVbXVIREhsYzdCOTlTa0dWLXE1bkw2TmE4MndDcEx3dw?oc=5) · The Business Journals
- 2025-03-25 [Prairie Bank announces sale of Farmers National Bancshares - gbtribune.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPel9WcVM2Q19URDdrTUJuZ0FSLVU5eXlVOGJWLWo4cVJSYVBzcUttWS14ejhDZ29TZlZ2LURjLU52dC16amtzbklZR0tJUzBuc3BSYVlKb3ppU2l0bnJJejdCVlpJeWtGQWFkRDJzOE5YWnQ1bVdlQllFSzFiejJwbjZBLUZ3Nlh5aHFpdHp2SXRFZGNnbU1XMkl4SWotaUtG?oc=5) · gbtribune.com
- 2025-04-15 [Greg Anderson of Farmers National Bank helps customers prevent, detect and resolve fraud - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeEVmNnhVRTZrbnZITU9hcXRWSHU2LVVFeXVsdFQ1ek5TQ3pzWjVwSk5KR2UyRjdiaWI2c0IyT2d2MU5Ca2FTWkJLenItd1hwenlCMFFqLTJQdUZ1ZXBiRmsxRWsta0ZTeTZ0Y2VZY1ZyRm1GQzljaE0tZDVPbXU0bE85TDJvSkpjM0w0R3NMc0pJRGNjMld2eVdpVGQtUTRLaGFhV2ZFUQ?oc=5) · The Business Journals
- 2023-07-25 [Farmers National Bank appoints SVP, commercial banking team leader in PA - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUmFOUGVKR21xTmlBU2hjNVhwZTlFYjJBY2VfY0RIMUUwYzRoNnAzNkpQVEFzVHBzRFFWdmN2Sm1vQzk5TjNoZFFhZEhydERGOU42Vm83V0xQX2NDWFhJZjlRZ01ETVFhcHI0QTFZcU5iY2J2djJqdkc4emNnZlpxZXN1SFhtZGMtbGRIYjNOWTBzWDVtUlZXMi1IV0ZjY2loZGpZaUgzUUo3aDA?oc=5) · The Business Journals
- 2023-12-06 [20 People to Know in Banking: William C. Marsh, Farmers National Bank of Canfield - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZ3pjaHY1d1NtOGRlVGEwNVVMOXBQTG1mTWJ4N1pNTXg1VllRSUJQenNERHNEOHBCQ1d4QTlMOVZJWUpMblhDVHZYc3dHX29xcGdkZ0kzZlpXV3Ftb2UzTWtGcURXWFNtM1NqQ1hHYWJFeHdtOUJsZDNNY09ILUg1UWpGeklFYUE1eU5BTlpUT0dOU19DcExGaDdHMHNKLTZENTloUg?oc=5) · The Business Journals
- 2023-07-15 [Local banker discusses why Pittsburgh needed a right-sized business bank - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPSGRSLXF3ZUZLMm95amxaa05najU5VjlOTVdwUl8tanRUWktFeWxVeTdnbDlVZnJNX0NuMlZHV2JacmYxVXMtaUJVYkRVRVJ4Y0MyVzl0b2FzTk9sZlB4NW9kQ2h2c2tRYndfUWV0djFxRl9rcHdoZnJKWVNjYXYtelpxTG9XYTBOUE55THdmUmFVSGVaX2hHaDBKS29VQ2xiQmRQZUlZTDJIellhYWc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4611 (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/3.json (key "4611", 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