Bank · FDIC insured
Farmers State Bank
A $180.5M bank headquartered in McPherson, KS, with 4 branches in Kansas. Best rates: CDs 4.06% and savings 0.30% APY.
Farmers State Bank Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#4 of 6 in McPherson, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers State Bank
Farmers State Bank received its charter as a Kansas state bank in 1909 and is held by one-bank holding company Galva Bancshares, Inc.
The bank moved to South Main Street in 1972 and was later expanded when Galva Bancshares acquired Falun State Bank in 1987.
It opened branch locations in McPherson and Lindsborg, Kansas between 1989 and 2004.
- Headquarters
- 2074 E Kansas Ave, McPherson, KS 67460
- FDIC certificate
- 13883 ↗
Branches
4 branches in Kansas
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Kansas
4 branches
- The Farmers State BankMain office2074 E Kansas Ave, McPherson, KS 67460Directions
- Galva Branch209 N Main St, Galva, KS 67443Directions
- Lindsborg Branch447 N Harrison St, Lindsborg, KS 67456Directions
- Mcpherson North Branch1603 N Main St, McPherson, KS 67460Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.05% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.01% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $60 | $81 | — |
- CapitalLeverage ratio10.05%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$60Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.