Bank · FDIC insured
Farmers State Bank
A $257.7M bank headquartered in Westmoreland, KS, with 3 branches in Kansas. Best rates: CDs 3.80% and savings 1.00% APY.
Farmers State Bank Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#7 of 14 in Manhattan, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers State Bank
Founded in 1898 in Westmoreland, Kansas, The Farmers State Bank of Westmoreland is a locally owned and operated bank.
The bank expanded to Manhattan and Onaga, Kansas, where it acquired the Morrill & Janes Bank & Trust in 2014.
- Headquarters
- 307 Main St, Westmoreland, KS 66549
- FDIC certificate
- 15164 ↗
Branches
3 branches in Kansas
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Kansas
3 branches
- The Farmers State Bank of WestmorelandMain office307 Main St, Westmoreland, KS 66549Directions
- Manhattan Branch8685 E Us Highway 24, Manhattan, KS 66502Directions
- Onaga Branch301 Leonard St, Onaga, KS 66521Directions
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 | 13.88% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.03% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $64 | $81 | — |
- CapitalLeverage ratio13.88%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.03%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$64Peers’ 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.