Bank · FDIC insured
Farmers State Bank
A $84.7M bank headquartered in Wathena, KS, with 1 branch in Kansas. Best rates: CDs 0.80% and savings 0.10% APY.
Farmers State Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#12 of 13 in St. Joseph, MO-KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers State Bank
Founded in 1903 by L.A. Libel, The Farmers State Bank was established after 39 citizens advanced $10,000.
On November 7, 1959, the bank merged with the Fruit Growers State Bank, becoming the largest bank in Doniphan County.
In 1961, the bank relocated across the street to 211 St. Joseph Street, where it remains located today.
- Headquarters
- 211 Saint Joseph St, Wathena, KS 66090
- FDIC certificate
- 16941 ↗
Branches
1 branch in Kansas
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Kansas
1 branch
- The Farmers State BankMain office211 Saint Joseph St, Wathena, KS 66090Directions
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 | 13.64% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 1.74% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 1.32% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $62 | $67 | — |
- CapitalLeverage ratio13.64%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent1.74%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets1.32%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$62Peers’ middle $67
Compared with the 546 banks with under $100 million 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.