This institution is no longer active

Operations ceased on March 29, 2002. CRA examination history below reflects the period it was active.

THE FARMERS STATE BANK

HARDTNER, KS · Supervised by FDIC

Est. 1919FDIC #17,677RSSD: FDIC-17677

Part ofFARMERS STB HARDTNER STK BONUS EMPLOYEE STK OWNERSHIP PLAN→ View all charters

Outstanding Same

Current rating · Exam: April 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -7.74%

Is this bank safe?

THE FARMERS STATE BANK earned an Outstanding CRA rating (1999), shows financial metrics that merit closer review (ROA -7.74%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

Main And Central Streets, HARDTNER, KS

County

Barber County

Established

October 1, 1919

Total Assets

$21M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q4 2001Call Report / FDIC

Total Assets

$21M

Total Deposits

$20M

Net Loans

$12M

Net Income

$-1,860K

ROA

-7.74%

Below avg for Small banks. Peer avg: 0.44%

ROE

-110.73%

Risk-Based Capital

4.70%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-7.74%Peer avg: 0.44%▼ Below avg

Risk-Based Capital4.70%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 1999	Outstanding	Small Bank
Jun 1996	Outstanding	Small Bank
Dec 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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