🏦Bank Scorer

FARMERS STATE BANK

PHILLIPSBURG, KS · Supervised by FDIC

Est. 1909FDIC #14,344RSSD: FDIC-14344
Part ofPHILLIPS HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: December 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

110 W State St, PHILLIPSBURG, KS

County

Phillips County

Established

January 1, 1909

Total Assets

$43M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$43M

Total Deposits

$35M

Net Loans

$22M

Net Income

$83K

ROA

0.80%

ROE

8.28%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$32M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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