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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Westmoreland, KS · FDIC certificate #15164
FARMERS STB OF WESTMORELAND is an FDIC-insured institution based in Westmoreland, KS (FDIC certificate #15164). In its Q3 2026 Call Report it reported total assets of $250M, total deposits of $219M and net loans of $140M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS STB OF WESTMORELAND has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $258M in Q2 2026 and were lowest at $250M in Q3 2026.
Total deposits were highest at $226M in Q2 2026 and lowest at $219M in Q3 2026.
Over the whole period total assets fell 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $250M | $219M | $140M | 1.00% | 8.20% | 3.38% |
| Q2 2026 | $258M | $226M | $142M | 1.10% | 8.97% | 3.38% |
| Q1 2026 | $255M | $224M | $139M | 1.10% | 8.84% | 3.37% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.0M | $9.5M | +$1.5M | +16.3% |
| Federal funds sold | $9.0M | $26.4M | -$17.5M | -66.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $88.2M | $73.0M | +$15.2M | +20.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.3M | $868K | +$402K | +46.3% |
| Net loans and leases (after allowance) | $140.5M | $138.5M | +$1.9M | +1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.4M | +$9K | +0.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $3K | $3K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | -$17K | $2K | -$19K | -950.0% |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.3M | $4.7M | +$612K | +13.0% |
| Total assets | $257.7M | $255.5M | +$2.2M | +0.9% |
| Liabilities | ||||
| Total deposits | $226.2M | $223.9M | +$2.3M | +1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $652K | $832K | -$180K | -21.6% |
| Total liabilities | $226.9M | $224.7M | +$2.2M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $94K | $94K | $0K | 0.0% |
| Surplus | $377K | $377K | $0K | 0.0% |
| Retained earnings | $35.7M | $35.0M | +$699K | +2.0% |
| Accumulated other comprehensive income | -$5.4M | -$4.7M | -$649K | -13.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.8M | $30.7M | +$50K | +0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.9M | $2.5M | +$381K | +15.0% |
| Adjusted nonperforming assets | $2.9M | $2.5M | +$381K | +15.0% |
| Tangible equity plus allowance | $33.1M | $33.0M | +$56K | +0.2% |
| Texas ratio (gross) | 8.83% | 7.70% | +1.14 pts | See points |
| Texas ratio (adjusted) | 8.83% | 7.70% | +1.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 10.93% | 10.24% | +0.70 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.88% | 14.27% | -0.39 pts | See points |
| Construction and land loans to total capital | 35.37% | 35.46% | -0.09 pts | See points |
| Commercial real estate to total capital | 45.54% | 46.85% | -1.30 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.81% | -13.28% | -1.54 pts | See points |
| Liquidity | ||||
| Core deposits | $202.7M | $203.6M | -$949K | -0.5% |
| Non-core funding | $23.6M | $20.3M | +$3.3M | +16.2% |
| Loans to core deposits | 70.45% | 69.17% | +1.29 pts | See points |
| Loans to deposits | 63.11% | 62.90% | +0.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 37.05% | 45.95% | -8.90 pts | See points |
| Loans pledged, share of loans | 17.73% | 18.35% | -0.62 pts | See points |
| Volatile liabilities | $23.6M | $20.3M | +$3.3M | +16.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $910K | +$960K | +105.5% |
| Earnings before provision, single quarter | $960K | $910K | +$50K | +5.5% |
| Provision for credit losses, year to date | $71K | $16K | +$55K | +343.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.63% | 6.62% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.00% | 3.01% | -0.02 pts | See points |
| Total interest income to average assets | 5.11% | 5.07% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 2.36% | 2.26% | +0.10 pts | See points |
| Cost of savings and money market deposits | 1.78% | 0.97% | +0.82 pts | See points |
| Cost of time deposits | 3.53% | 4.14% | -0.61 pts | See points |
| Total interest expense to average assets | 1.93% | 1.87% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $250M | $219M | $140M | 1.00% | 8.20% | 3.38% |
| 2026-06-30 | $258M | $226M | $142M | 1.10% | 8.97% | 3.38% |
| 2026-03-31 | $255M | $224M | $139M | 1.10% | 8.84% | 3.37% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $204.5M | 0.20% | 97 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.